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.

Dearborn 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 Dearborn

Dearborn is one of Michigan’s densest urban suburbs, and its housing stock reflects more than a century of continuous construction. The brick bungalows and colonials from the 1920s and 1930s have character that requires genuine craft to restore — original plaster, period millwork, old-growth hardwood floors under linoleum. You can’t price these from a supply catalog, and an adjuster valuing them at commodity rates is leaving significant money out of your claim.

The high-density street grid of Dearborn creates a specific fire risk: smoke can travel laterally into wall cavities shared between attached units, and fire in close-proximity structures spreads faster than modern suburban construction allows. Phase III understands these dynamics and documents scope that covers the actual spread, not just the visible room.

We’ve worked Dearborn claims for over 30 years. We know the housing stock, the terrain, and how Wayne County adjusters approach this market. From the East End to West Dearborn, your restoration is managed personally from the first call through the final inspection.

What Sets Phase III Apart

Pre-mitigation documentation before any adjuster visit — the most important step in any claim
30+ years of experience with Dearborn’s 1920s–1940s bungalow and colonial housing stock
Original plaster preserved and restored to period standard — not replaced with modern drywall
Xactimate expertise to recover original material pricing, not commodity rates
On-site within 2 hours anywhere in Dearborn or Wayne County
We manage the insurance carrier so you can focus on your family

Full-Service Restoration

Our Services in Dearborn, MI

Fire Damage Restoration

Dearborn’s dense neighborhoods and older housing stock create specific fire restoration challenges. Smoke spreads through original plaster walls and aging HVAC systems. Phase III documents what actually happened before mitigation starts, then builds the full scope the insurance estimate will miss.

Pre-mitigation documentation and full smoke mapping
Thermal imaging for hidden penetration in plaster walls
Original plaster preserved and restored where structurally sound
Period millwork and trim matching
Supplement filing to recover original material replacement cost

Hail & Wind Damage Restoration

SE Michigan hail hits Dearborn hard, and older homes with original roofing components face compounded exposure. Copper gutters, original roof trim, and steel-framed windows are often excluded from adjuster estimates. Phase III documents everything and files for the full scope.

Forensic roof inspection and impact documentation
Original roofing component assessment and replacement
Gutter, fascia, and soffit assessment on older homes
AC condenser and HVAC equipment review
Formal supplement filing for all missed items

Water Damage Restoration

Dearborn’s aging infrastructure and flat terrain make basement flooding and sewer backup common events. Older plumbing fails without warning. Phase III responds fast, documents cause and extent before any mitigation begins, and builds the scope your carrier should cover.

Emergency water extraction and containment
Moisture mapping and structural drying
Sewer backup documentation and remediation
Mold prevention and full remediation
Complete interior rebuild after drying confirmed

Smoke & Soot Cleanup

Smoke in Dearborn’s older homes penetrates everywhere. Original lath-and-plaster walls absorb odor deeply; original ductwork carries contamination throughout the structure. Phase III maps what’s affected with thermal imaging and eliminates the problem rather than masking it.

Thermal imaging for hidden smoke penetration
Original plaster odor elimination
HVAC duct decontamination and cleaning
Contents pack-out and professional cleaning
Odor neutralization — not masking

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 Dearborn projects.

Case Study · Fire Damage · East Dearborn

Fire in a 1934 Brick Bungalow — Smoke Spread to Three Floors and Adjacent Structure

Wayne County · Citizens Insurance Claim

A fire started in the kitchen of a 1930s East Dearborn brick bungalow. Citizens Insurance sent an adjuster within 48 hours. The initial estimate covered the kitchen and dining room — two rooms out of the full affected area.

Phase III arrived within 2 hours of the initial call. Before any mitigation began, we ran thermal imaging across the full structure and documented every affected space. Smoke had migrated through original lath-and-plaster walls into three additional rooms, traveled through the uninsulated attic, and penetrated into the adjacent semi-attached structure’s top floor through the shared attic cavity.

We submitted a supplement covering full-house smoke remediation, original plaster restoration on all interior walls, period-matching millwork refinishing, hardwood floor refinishing under two rooms of carpet the adjuster had listed at carpet cost, and partial remediation of the adjacent structure. Citizens approved the complete supplemented scope.

Outcome

Full house remediation. Original plaster restored. Hardwood floors refinished. Adjacent structure partial remediation covered. Supplement recovered 53% above initial adjuster estimate.

Case Study · Water Damage · West Dearborn

Burst Supply Line in a 1940s Colonial — Three-Floor Water Intrusion Missed on First Review

Wayne County · Allstate Claim

A supply line failure in a 1940s West Dearborn colonial released water for several hours before the homeowner discovered it. The Allstate adjuster’s initial estimate covered the first-floor kitchen and hallway where visible damage was concentrated.

Phase III’s moisture mapping told a different story. Water had traveled through original hardwood subfloors to the basement, and cavity moisture in the first-floor walls had begun creating conditions for mold growth. The second floor showed elevated moisture readings in two bedrooms where water had wicked up original interior wall cavities.

We documented everything with calibrated moisture meters and thermal imaging, then built a Xactimate scope covering the complete drying zone: basement, first-floor wall cavities, and two second-floor bedrooms. Allstate approved the supplemented scope in full.

Outcome

Three-floor restoration approved. Basement, first-floor wall cavities, and second-floor bedrooms all covered. Mold prevention documented and included. Supplement recovered 44% above initial 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 Dearborn 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 Dearborn’s historic bungalows and colonials, we match original materials — plaster, period millwork, old-growth hardwood — not modern commodity substitutes.

Local Coverage

Dearborn Neighborhoods & Wayne County

Phase III serves all of Dearborn and the surrounding Wayne County communities:

East Dearborn

West Dearborn

Dearborn Center

Springwells Village

Fairlane Area

Michigan Avenue Corridor

Outer Drive Area

Cherry Hill

Miller-Curtis

Schaefer Road

Tireman Area

Dearborn Heights Border

Allen Park Border

Common Questions

Dearborn Homeowner FAQ

How quickly can Phase III respond to an emergency in Dearborn?

On-site within 2 hours for any emergency in Dearborn or Wayne County. We’re based in Westland — about 20 minutes from most Dearborn neighborhoods. Available 24/7, including nights, weekends, and holidays.

My Dearborn home is from the 1930s. Can you match original materials?

Yes — this is exactly what we specialize in. Dearborn’s 1920s–1940s bungalows and colonials have original plaster walls, period millwork, and old-growth hardwood floors that require genuine craft to restore. We match original materials and document the existing character so your insurance claim includes proper replacement costs, not commodity pricing.

My home is a semi-attached bungalow. Does fire or smoke damage affect the adjacent unit?

It can — and this is a scope issue most contractors miss entirely. Shared attic spaces and close wall proximity in Dearborn’s dense neighborhoods allow smoke and sometimes fire to travel into adjacent structures. Phase III assesses both structures and ensures the full affected area is documented in your claim.

Do I need separate contractors for mitigation and the rebuild?

No — and we recommend against it. Splitting mitigation and rebuild creates documentation gaps and scope disputes that almost always cost the homeowner money. Phase III handles both phases under one contract from board-up through final permit inspection.

Do you work with all insurance carriers active in Dearborn?

Yes. State Farm, Citizens, Allstate, Auto-Owners, Farm Bureau, Frankenmuth Mutual, Farmers, and others. We understand how each carrier approaches Wayne County claims and where they typically underestimate scope.

Dearborn Fire, Hail, Wind & Water Damage Restoration