Storm Damage - SE Michigan - 33 Years Experience
Have a Hanover Insurance homeowner policy and storm, wind, or tornado damage in Michigan? Phase III documents every line item, works directly with your Hanover Insurance adjuster, and handles the claim from inspection through final restoration.
Call (734) 237-7322 Free InspectionStorm Damage We Handle
Phase III handles the full range of storm damage covered under Hanover Insurance homeowner policies in Michigan -- documented to Xactimate standards the way Hanover Insurance independent adjusters expect to see it.
Lifted shingles, decking damage, flashing failures, ridge cap loss -- documented to Xactimate standards with photos, measurements, and line-item estimates.
Wind-driven siding damage, gutter detachment, soffit and fascia damage -- fully scoped and submitted to Hanover Insurance as part of the complete claim.
Fallen trees on structures, projectile impact damage, structural breaches -- documented before removal to preserve the insurance record.
Secondary water damage from storm breaches -- ceilings, walls, insulation, flooring -- included in the storm claim, not treated as a separate water loss.
The Process
Phase III inspects your property at no charge and documents every item of storm damage -- roof, siding, gutters, windows, structure, and interior.
We build a complete Xactimate estimate formatted the way Hanover Insurance independent adjusters expect -- line item by line item, code references included.
Phase III works directly with your Hanover Insurance adjuster. We can be present during the inspection and handle all supplemental submissions.
From approved scope to finished work -- Phase III manages the complete restoration so you don't have to manage multiple contractors.
Hanover Insurance Claim Reference
File through the Hanover Insurance claims portal or call 1-800-428-3435. Request a full property inspection. Consider having Phase III present during the adjuster visit.
Hanover Insurance uses Xactimate to estimate storm damage. Phase III generates estimates formatted to align with Hanover Insurance's methodology -- no translation required.
Your Hanover Insurance policy deductible applies to storm and wind damage claims. Phase III can walk you through how deductibles apply to your specific Hanover Insurance policy.
Hanover Insurance may suggest preferred contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use a Hanover preferred contractor.
Phase III inspects at no charge and builds your claim documentation. Call (734) 237-7322 or submit below.
Common Questions
What should I do after storm damage if I have Hanover Insurance?
Document damage with photos immediately. File your claim by calling 1-800-428-3435 or through Hanover's claims portal. Phase III can be present during the adjuster inspection to ensure full storm damage documentation.
Does Hanover Insurance cover wind and storm damage in Michigan?
Standard Hanover Insurance homeowner policies in Michigan cover wind storm damage, tornado damage, and associated structural losses. Phase III documents to Xactimate standards to support your full recovery.
Do I have to use a Hanover Insurance preferred contractor in Michigan?
Hanover Insurance may suggest preferred contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use a Hanover preferred contractor.
How does Hanover Insurance handle supplemental storm claims?
Hanover reviews supplements through their claim team. Phase III prepares documented supplements with Xactimate line items and photographs and submits them directly to your Hanover adjuster.
What if Hanover Insurance denies my storm damage claim in Michigan?
A denial is not necessarily final. You have the right to request a re-inspection, provide additional documentation, or invoke your policy's appraisal clause if you and Hanover Insurance disagree on the scope or value of damage. Phase III can help build a comprehensive documentation file including photos, moisture readings, and a professional Xactimate estimate to support a re-inspection or dispute process.