Should I accept my adjuster's first estimate?

Don't sign before having it reviewed. Phase III supplements are standard on most claims. We document every missed item and every undervalued element, then push back until the estimate matches actual damage.

Do I need separate contractors for emergency work and rebuild?

No — and splitting them almost always costs you money. Gaps and disputes are predictable. Phase III handles everything from board-up through final inspection under one contract.

Does Phase III handle wind damage claims?

Yes. Wind damage is one of our core services. We document structural damage from straight-line winds, derechos, and severe storm events — including roof shingles, siding, gutters, soffits, and fascia. We prepare your complete claim package and negotiate directly with your carrier. Standard Michigan HO-3 homeowner policies cover wind damage, and we make sure your carrier pays the full scope of what's owed.

Will my insurance cover hail damage to my roof in Michigan?

In most cases, yes. Standard HO-3 homeowner policies in Michigan cover hail damage to roofs, siding, gutters, and HVAC equipment. The key is documentation — carriers routinely underpay or deny hail claims when damage isn't fully catalogued before repairs begin. Phase III performs a thorough hail inspection and builds a complete evidence package before you speak with an adjuster, so your claim reflects the full scope of damage.

Auburn Hills Fire, Hail, Wind & Water Damage Restoration | Phase III Construction

Q: How quickly can Phase III respond to an emergency?

On-site within 2 hours for any emergency in your area. We're available 24/7, including nights, weekends, and holidays.

Q: Do you work with all insurance carriers?

Yes. Every major carrier in SE Michigan — State Farm, Auto-Owners, Allstate, Farm Bureau, Frankenmuth Mutual, and others. We understand how each carrier approaches claims in your area.

Local Knowledge. Proven Results.

We Know Auburn Hills

Auburn Hills is a rapidly evolved Oakland County community — a mix of established residential neighborhoods that date to the 1960s and 1970s and newer development built around the corporate and university presence along the I-75 and M-59 corridors. Oakland University’s proximity has driven significant housing development, and the city’s residential inventory now spans a wide range of ages, styles, and values.

SE Michigan hail and storm activity hits Auburn Hills in line with the rest of Oakland County — spring and summer events that leave adjuster estimates in their wake that routinely miss scope on both older ranches and newer subdivision homes. Phase III has worked Oakland County claims for over 30 years and knows how to document and supplement for the full scope on every housing type.

We’re based in Westland — under 35 minutes from Auburn Hills. When you call Phase III, your claim is managed personally from the first call through the final permit inspection.

What Sets Phase III Apart

Documentation before mitigation — the step that determines what your insurance covers
30+ years of Oakland County claims experience across Auburn Hills’ range of housing types
Xactimate expertise to recover what adjusters leave out of estimates
Both older ranch and newer subdivision restoration experience
On-site within 2 hours anywhere in Auburn Hills or Oakland County
Single contact from first call through final permit inspection

Full-Service Restoration

Our Services in Auburn Hills, MI

Fire Damage Restoration

Auburn Hills’ housing inventory ranges from 1960s ranches to newer colonials with open floor plans. Both face distinct fire restoration challenges. Phase III documents the full affected area before any mitigation begins and builds the scope your insurance should cover.

Pre-mitigation documentation before any work begins
Thermal imaging for smoke in wall cavities
Original hardwood and plaster documentation in older homes
Modern finish correct pricing in newer construction
Supplement filing for all adjuster-missed items

Hail & Wind Damage Restoration

SE Michigan hail season runs April through September. Auburn Hills sees the same storm systems as the rest of Oakland County. Phase III inspects every roof face, outbuilding, and exterior element and supplements for the full scope — not just what the adjuster’s first walk found.

Forensic inspection of all roof faces
Impact documentation on gutters, siding, and AC units
EagleView aerial measurement reports
Formal supplement filing for all missed damage
Full replacement scope where documentation supports it
Wind damage assessment — roof lift, blown sections, fascia and soffit
NOAA event records pulled to anchor and support wind damage claims

Water Damage Restoration

Auburn Hills sees water intrusion from ice damming, burst pipes, and basement seepage. Phase III responds fast, maps moisture completely with calibrated equipment, and documents the full extent before any remediation begins.

Emergency water extraction and structural drying
Calibrated moisture mapping throughout the structure
Mold prevention and full remediation
Finished basement documentation and correct pricing
Complete interior rebuild after drying confirmed

Smoke & Soot Cleanup

Smoke spreads differently through Auburn Hills’ older ranches than its newer open-plan homes. Phase III adapts its documentation approach to the specific structure and maps the full spread with thermal imaging before any remediation begins.

Thermal imaging across the full structure
HVAC duct cleaning and decontamination
Odor elimination — not masking
Contents cleaning and pack-out
Complete remediation to pre-loss air quality

Phase III In Action

How We Work

The difference between a Phase III claim and a typical contractor claim shows up in the settlement. Here’s what that looks like on Auburn Hills projects.

Case Study · Hail Storm · Squirrel Lake, Auburn Hills

Major Hail Event — Back Slopes, AC Condenser, and Siding All Excluded from Initial Estimate

Oakland County · State Farm Claim

A significant hail storm hit an Auburn Hills colonial. State Farm’s adjuster approved the two front-facing roof slopes and excluded the rear slopes, AC condenser, and west-facing siding.

Phase III inspected the complete exterior and found functional hail damage across all four roof faces, clear impact on all west-facing siding panels, bent AC condenser fins, and gutter damage across the full run.

We documented with close-up impact photography at every strike point and submitted a formal Xactimate supplement. State Farm approved the complete scope.

Outcome

Full four-face roof replacement, complete gutter system, west siding, and AC condenser all approved. Settlement exceeded initial estimate by 48%.

Case Study · Fire Damage · Auburn Hills City Center

Kitchen Fire — Open Floor Plan Smoke Spread Missed Across First Floor

Oakland County · Auto-Owners Claim

A kitchen fire in an Auburn Hills colonial sent smoke rapidly through the open floor plan to the dining room, great room, and study. Auto-Owners’ adjuster estimated only the kitchen.

Phase III documented the full first floor with thermal imaging before mitigation began. Smoke had penetrated all four first-floor spaces adjacent to the kitchen and traveled into the second-floor stairwell.

We supplemented for complete first-floor smoke remediation and stairwell remediation. Auto-Owners approved the full scope.

Outcome

Full first-floor smoke remediation and stairwell approved. Kitchen rebuild at correct scope. Supplement recovered 44% above initial adjuster estimate.

The Phase III Process

How We Handle Your Claim

Most contractors fix the damage and hand you a bill. Phase III manages the entire claim — documentation, filing, supplements, and licensed rebuild — so you walk away with what your policy actually covers.

01

Emergency Response

On-site in Auburn Hills within 2 hours. Emergency stabilization begins immediately — board-up, tarping, water extraction — whatever stops further damage before weather or time compounds the loss.

02

Pre-Mitigation Documentation

Before anything is moved, cleaned, or repaired, Phase III documents the entire property. Photos, thermal imaging, room-by-room inventory. This pre-loss record is the foundation of your claim and the reason our clients recover more than average.

03

Forensic Assessment

We build a complete Xactimate scope of loss — the same tool insurance companies use. We know where adjusters cut scope, where they underprice materials, and what belongs in your claim that they typically exclude.

04

Supplement Filings

The first adjuster estimate is rarely the final number. Phase III identifies every missing item and supplements until the scope matches the actual damage. Our clients regularly recover 30–60% above initial estimates through this step alone.

05

Licensed Rebuild

Once scope is locked and funds approved, we rebuild to pre-loss condition. Licensed Michigan GC, permitted work, all inspections passed. For Auburn Hills’ range of housing types, we match original specifications exactly — whether original ranch plaster or newer premium finishes.

Local Coverage

Auburn Hills Neighborhoods & Oakland County

Phase III serves all of Auburn Hills and the surrounding Oakland County communities:

Squirrel Lake

Auburn Road

University Drive

Opdyke Road

Brown Road

Featherstone Road

Auburn Hills City Center

I-75 Corridor

M-59 Corridor

Rochester Hills Border

Pontiac Border

Waterford Border

Common Questions

Auburn Hills Homeowner FAQ

How quickly can Phase III respond to an emergency in Auburn Hills?

On-site within 2 hours for any emergency in Auburn Hills or Oakland County. We’re based in Westland — under 35 minutes from Auburn Hills. Available 24/7 including nights, weekends, and holidays.

My adjuster only approved two of my four roof slopes. Should I accept that?

Don’t sign before having it reviewed. Partial roof approvals are among the most commonly supplemented items we file across Oakland County. Phase III inspects every face before you commit to anything.

The adjuster missed my siding and AC condenser. Can those be added?

Yes — through a formal supplement filing. These are among the most commonly missed elements in SE Michigan hail claims. Phase III documents every impacted element and submits formal Xactimate supplements to recover what was excluded.

Do I need separate contractors for the emergency work and the rebuild?

No. Phase III handles everything from board-up through final permit inspection under one contract.

Do you work with all insurance carriers in Auburn Hills?

Yes. State Farm, Auto-Owners, Allstate, Farm Bureau, Frankenmuth Mutual, Citizens, Farmers, and every other major carrier active in Oakland County.

Auburn Hills Fire, Hail, Wind & Water Damage Restoration