If you hold a Hanover Insurance policy in Michigan and your property has storm or hail damage, Phase III Construction is a licensed Michigan general contractor with experience navigating the Hanover claims process — from the initial Xactimate estimate to supplement filing.
Hanover processes storm and hail damage claims through a structured workflow. Here is what to expect at each step — and where Phase III fits in.
Call your independent agent OR contact Hanover directly at their claims line. Both routes are valid. Hanover operates through independent agent networks, so your local agent is often the fastest first call.
Hanover assigns a claim number once your claim is filed. Keep this number readily available for all future communications with Hanover, your agent, and your contractor.
A Hanover field adjuster contacts you to schedule a property inspection. Response times vary by claim volume following a storm event. You may request Phase III be present during this inspection.
The adjuster inspects the damage and documents findings using Xactimate estimating software — the industry standard for property damage scoping. This inspection determines the initial scope of loss.
You receive a scope of loss and Xactimate-based estimate. This is a starting point, not a final number. You have the right to a licensed contractor's independent assessment and to request supplements for overlooked items.
Michigan law gives you the right to choose any licensed contractor for your repair work. Phase III Construction is licensed, insured, and experienced working on Hanover-insured properties throughout SE Michigan.
Xactimate is the estimating software used by most insurance carriers — including Hanover — to scope and price property damage. Adjusters use it to generate line-item estimates for roofing, siding, structural repairs, and interior work. The output becomes the basis for your insurance payout.
Understanding Xactimate matters because the initial estimate doesn't always capture everything. Adjusters work under time pressure and may miss line items: code upgrade requirements, additional layers of roofing, starter strip, ice and water shield, drip edge, or interior damage that isn't immediately visible. These missed items can represent thousands of dollars in legitimate claim value.
Phase III Construction documents damage in a format that aligns with Xactimate line items. When we identify scope that was not included in the original Hanover estimate, we prepare a supplement — a formal addition to the claim that requests coverage for the missed items. Supplements are a standard, legitimate part of the claims process.
The supplement process with Hanover typically involves submitting documentation, photos, and a competing scope to the assigned adjuster or their supervisor. Phase III has experience with this process and communicates directly with Hanover on your behalf, so you're not navigating it alone.
If you have already received a Hanover Xactimate estimate, we can review it at no charge and tell you whether it appears to reflect the full scope of your damage.
We focus on thorough documentation and clear communication throughout the claim lifecycle.
No-cost inspection of your property to document storm and hail damage. We can be present during or after the Hanover adjuster's visit.
We document damage using the same Xactimate line-item framework Hanover adjusters use, making the review and approval process straightforward.
When the original Hanover estimate is missing scope, we prepare and submit a supplement. Missed line items are legitimate and recoverable.
We present the full scope and pricing before any work begins. You review, ask questions, and approve before we schedule the project.
Michigan Builders License #262000615. Fully insured. You're working with a licensed general contractor, not a storm-chasing crew.
We've been working in Southeast Michigan since 1993. We know the market, local code requirements, and the carrier landscape.
Michigan law provides specific protections for homeowners navigating an insurance claim. Understanding these rights puts you in a stronger position throughout the process.
How your Hanover policy handles depreciation has a direct impact on how much you receive. Knowing your coverage tier before work begins matters.
ACV means Hanover pays the replacement cost of damaged materials minus depreciation. Depreciation accounts for the age and condition of your roof, siding, or other affected components.
For example, a 15-year-old roof may have significant depreciation withheld. The check you receive initially will be for the depreciated value, not the full cost to replace.
Under ACV-only coverage, the depreciation amount is generally not recoverable unless your policy includes a recoverable depreciation endorsement.
RCV coverage means Hanover pays the full cost to repair or replace the damaged property with like kind and quality, without deducting for depreciation.
Typically, Hanover pays out ACV first, then releases the depreciation holdback after the work is completed and documentation of completion is submitted.
Hanover's Elite tier policies in Michigan typically include RCV coverage. Platinum tier policies may have different terms — check your declarations page to confirm your coverage type.
Why this matters before work begins: Knowing whether you have ACV or RCV coverage affects the total funds available and the timeline for receiving them. Phase III reviews your declarations page with you so there are no surprises about when depreciation holdback is released and what documentation Hanover requires to release it. Hanover's Elite and Platinum tiers have different terms, and your specific policy endorsements may also apply.
Licensed Michigan GC with Xactimate documentation experience. Free property inspection.