Storm Damage - SE Michigan - 33 Years Experience
Have a The Hartford / AARP homeowner policy and storm, wind, or tornado damage in Michigan? Phase III documents every line item, works directly with your The Hartford / AARP 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 The Hartford / AARP homeowner policies in Michigan -- documented to Xactimate standards the way The Hartford / AARP 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 The Hartford / AARP 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 The Hartford / AARP independent adjusters expect -- line item by line item, code references included.
Phase III works directly with your The Hartford / AARP 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.
The Hartford / AARP Claim Reference
File through the The Hartford mobile app or call 1-800-243-5860. Request a full property inspection. Consider having Phase III present during the adjuster visit.
The Hartford / AARP uses Xactimate to estimate storm damage. Phase III generates estimates formatted to align with The Hartford / AARP's methodology -- no translation required.
Your Hartford/AARP policy deductible applies to storm and wind damage claims. Phase III can walk you through how deductibles apply to your specific The Hartford / AARP policy.
The Hartford may suggest preferred contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use a Hartford 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 The Hartford/AARP?
Document damage with photos immediately. File through The Hartford app or call 1-800-243-5860. AARP homeowner policies through The Hartford are popular in SE Michigan. Phase III can be present during the adjuster visit to ensure full storm damage documentation.
Does The Hartford/AARP cover wind and storm damage in Michigan?
Standard Hartford/AARP homeowner policies in Michigan cover wind storm damage, tornado damage, fallen trees, and associated structural damage. Phase III documents every line item to Xactimate standards to support your full recovery.
Do I have to use a The Hartford / AARP preferred contractor in Michigan?
The Hartford may suggest preferred contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use a Hartford preferred contractor.
How does The Hartford handle supplemental storm claims?
The Hartford reviews supplements through their desk adjuster team. Phase III prepares documented supplements with Xactimate line items and photographs and submits them directly to your Hartford adjuster.
What if The Hartford / AARP 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 The Hartford / AARP 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.