Storm Damage - SE Michigan - 33 Years Experience
Have a Liberty Mutual homeowner policy and storm, wind, or tornado damage in Michigan? Phase III documents every line item, works directly with your Liberty Mutual 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 Liberty Mutual homeowner policies in Michigan -- documented to Xactimate standards the way Liberty Mutual 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 Liberty Mutual 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 Liberty Mutual independent adjusters expect -- line item by line item, code references included.
Phase III works directly with your Liberty Mutual 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.
Liberty Mutual Claim Reference
File through the Liberty Mutual mobile app or call 1-800-290-7933. Request a full property inspection. Consider having Phase III present during the adjuster visit.
Liberty Mutual uses Xactimate to estimate storm damage. Phase III generates estimates formatted to align with Liberty Mutual's methodology -- no translation required.
Your Liberty Mutual policy deductible applies. Some Liberty Mutual policies include a separate wind/hail deductible -- check your declarations page. Phase III can walk you through how deductibles apply to your specific Liberty Mutual policy.
Liberty Mutual may suggest their network contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use a Liberty Mutual 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 Liberty Mutual?
Document damage with photos immediately. File through the Liberty Mutual app or call 1-800-290-7933. Phase III can be present during the adjuster inspection to ensure full storm damage documentation.
Does Liberty Mutual cover wind and storm damage in Michigan?
Standard Liberty Mutual homeowner policies in Michigan cover wind storm damage, tornado damage, and related structural damage. Phase III documents every line item to ensure your claim captures the full scope of loss.
Do I have to use a Liberty Mutual preferred contractor in Michigan?
Liberty Mutual may suggest their network contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use a Liberty Mutual preferred contractor.
How does Liberty Mutual handle supplemental storm claims?
Liberty Mutual reviews supplements through their desk adjuster team. Phase III prepares documented supplements with Xactimate line items and photographs and submits them directly to your adjuster.
What if Liberty Mutual 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 Liberty Mutual 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.