Dearborn, MI — Wayne County — Licensed GC
Phase III Construction responds 24/7 to fire, hail, water, and storm damage throughout Dearborn and Wayne County. We fight your insurance claim from first call to final payment.
From emergency stabilization to complete rebuild — we handle every phase and fight your insurance carrier every step of the way.
Emergency board-up, debris removal, structural rebuild, smoke remediation. We document everything before a single item is moved. Learn more →
Roofing systems, gutters, siding, windows — complete hail and storm damage restoration with full insurance claim documentation. Learn more →
Emergency extraction within hours, structural drying, mold prevention, and full rebuild. Speed is critical — we move fast. Learn more →
Smoke travels farther than the flames. We clean structural surfaces, HVAC systems, and contents — then rebuild what can't be saved. Learn more →
Phase III Construction manages every detail — from the moment you call to the day you move back in.
We respond to Dearborn within hours — 24/7, including nights, weekends, and holidays. First priority is securing your property and stopping further damage.
We photograph and document every surface in pre-mitigation condition. This documentation is specifically built for Xactimate estimating — the standard your insurance adjuster uses.
We work directly with your adjuster, submit supplements for missed items, and push back on underpaid claims. You shouldn't have to fight this battle alone.
As a licensed Michigan General Contractor, we pull all permits and handle every trade — framing, drywall, roofing, flooring, painting — to pre-loss condition or better.
Phase III Construction covers all of Wayne County, including neighboring communities.
ZIP codes served: 48120, 48124, 48126, 48128.
Don't see your community? View our full coverage map →
Tell us about the damage and we will contact you within the hour. No obligation. No cost. We come to you.
We respond to Dearborn on-site within 2 hours for emergencies. We are available 24/7, including nights, weekends, and holidays. Our Westland office on Ford Road keeps us minutes from every Dearborn ZIP code — 48120, 48124, 48126, and 48128.
Yes. We work with every major carrier in Michigan — State Farm, Auto-Owners, Allstate, Farm Bureau, Citizens, Hanover, and others. Dearborn's diverse homeowner base also includes non-standard and specialty carriers, and we have direct experience navigating all of them. Our documentation approach is carrier-agnostic: we build a file that any adjuster at any carrier has to contend with on the merits of the documented scope.
Almost certainly not. First estimates routinely miss scope, underprice materials, or exclude legitimate line items. Phase III reviews every estimate and supplements aggressively. Our goal is your full recovery — not a quick close for the carrier.
Yes. You have the right to choose your own licensed contractor under your Michigan homeowner's policy. Insurance companies may push their preferred vendors, but you are not obligated to use them. Preferred contractors often work in the carrier's interest, not yours.
Yes. We hold Licensed Residential Builder #262000615, carry full general liability insurance, and are BBB A+ rated. We pull all required permits from Dearborn's Building Support Services for every project — no shortcuts.
Yes. Dearborn's historic east side and Ford-era neighborhoods have 1920s to 1940s construction at high density — shared garage walls, adjacent structures, and original materials that require specific documentation protocols. We document pre-fire condition of every affected structure before mitigation begins, which protects your supplement position and ensures scope doesn't get minimized in a multi-structure event.
Source determination is critical because coverage varies by policy. Sewer backup, ground water infiltration, and overflow from failed storm infrastructure each trigger different policy provisions. Phase III documents the source thoroughly at the time of inspection, before any mitigation disturbs the evidence. This documentation protects the claim value and prevents disputes about covered versus excluded causes — a common point of carrier pushback in Dearborn's lower-lying neighborhoods.
That is specifically what we do. Dearborn's older housing stock — plaster walls, original hardwood floors, brick construction, period millwork — has replacement costs that generic contractors and desk adjusters routinely underestimate. We document to original condition and supplement for the actual cost of restoration, not the cheapest compliant alternative. Carriers sometimes price plaster at drywall rates or ignore original oak flooring; we push back with documented justification.
The three most common categories we handle in Dearborn are fire damage in older homes with dated electrical infrastructure, water intrusion in the Southend and west Dearborn neighborhoods during heavy rain events when storm sewers overwhelm, and hail damage to pre-1960 roofing systems that have little margin left. Dearborn's flat grade and aging storm drain infrastructure make basement flooding a recurring issue across ZIPs 48124 and 48126 in particular.
Timeline depends on scope. Emergency stabilization — board-up, extraction, temporary repairs — happens within 24 to 48 hours. Permit issuance in Dearborn through the Building Support Services typically takes 3 to 7 business days for residential projects. Active construction on a hail or water claim runs 1 to 3 weeks; a fire damage rebuild with structural involvement can run 8 to 14 weeks depending on the insurance approval timeline. We provide a detailed project schedule after the initial inspection.
A supplement is a documented request to add line items, increase quantities, or correct pricing in your adjuster's initial estimate. Most first estimates miss scope — they may exclude overhead and profit, use outdated material prices, or omit code-upgrade requirements. Phase III reviews every adjuster estimate line by line and files supplements with supporting documentation. This process regularly recovers thousands of additional dollars for Dearborn homeowners that would otherwise be left on the table.
Yes. Mold remediation is a standard part of our restoration services, particularly after water damage in Dearborn's older homes where basement flooding is not dried correctly within the first 48 to 72 hours. We document the contamination, perform the remediation, and rebuild the affected areas — coordinating the full scope under one claim so you are not managing multiple contractors. Homes near the Cherry Hill corridor with repeated water events are especially vulnerable to hidden mold growth in wall cavities.
Phase III responds 24/7 to fire, hail, water, and storm damage throughout Wayne County.
☎ (734) 237-7322Phase III Construction has been working alongside Dearborn homeowners through insurance claims for more than thirty years, and we know this city's housing stock in detail — the Ford-era worker homes packed along Campbell and Wyoming, the brick colonials in the Park Street neighborhood, the Springwells district bungalows that have been in the same families for three generations. When a storm rolls through Wayne County or a fire breaks out in one of Dearborn's densely built neighborhoods, we are typically on-site within hours from our Westland office on Ford Road. Our job is not just to fix the damage — it is to make sure your insurance carrier pays what your policy says they owe.
Dearborn is one of the densest residential cities in Wayne County, and most of that density was built before 1960. The city's historic east side — the Park Street neighborhood, the Springwells district, blocks of worker homes from the Ford expansion years of the 1920s and 1930s — has a construction vintage that creates specific challenges when storms hit. Attached garages and narrow lot lines mean a hail event that damages one roof is likely touching the same materials on a dozen adjacent roofs. Older slate, clay tile, and asphalt profiles common in Dearborn's pre-war housing are not priced accurately by modern estimating software, and carriers frequently apply newer material rates to structures that genuinely cannot be restored that way. The flat terrain across central and south Dearborn — particularly in the Southend and the Michigan Avenue corridor — creates persistent drainage challenges that compound after heavy rain events. Storm sewer infrastructure in several Dearborn neighborhoods was sized for population densities and rainfall patterns from the mid-20th century; when a significant rain event exceeds that capacity, basements on Cherry Hill, Outer Drive, and the Michigan Avenue corridor flood. This is a recurring annual problem, not an exceptional one, and the insurance implications depend heavily on how the source of the water is documented at the time of the loss.
The most common call we receive from Dearborn is fire damage in older construction where the electrical infrastructure has not kept pace with the building's age. Knob-and-tube wiring, early aluminum wiring from the 1960s and 1970s, and panels that were upgraded once and then not revisited are common in Dearborn's housing stock. When a fire occurs in this construction context, the smoke and structural damage typically extend well beyond what a homeowner first sees — ceilings, wall cavities, and HVAC ductwork all require assessment before scope is finalized. Phase III documents the full fire progression before any mitigation begins, which is the foundation of a defensible insurance claim. Water damage restoration is the second major category, particularly in neighborhoods near the Rouge River and the Michigan Avenue flatlands. Sump pump failures during a spring event can mean two to four feet of standing water in a finished basement within hours. That kind of loss escalates to mold contamination quickly if the drying process is not started correctly, which is why 24-hour response matters in Dearborn. Hail damage is the third category, and it produces a specific challenge in Dearborn because the older housing here has roofing systems that have already shed significant granule coverage over decades — a hail event that visually looks minor can have crossed the functional damage threshold that justifies full replacement, and proving that requires documentation before the adjuster visits.
Dearborn's homeowner base is diverse, and so is its carrier landscape. State Farm, Allstate, and Citizens are the most common carriers we see, but Dearborn also has a meaningful share of non-standard carriers and specialty policies serving a community with homeownership patterns and property values that the national carriers' standard products do not always fit cleanly. We work with all of them. The process starts with us completing our own full inspection before an adjuster visits the property — documenting hail strike patterns, photographing pre-loss conditions, mapping water intrusion points, and recording fire damage extent. When the carrier's initial estimate comes back low, we have the documentation to file a supplement and the history with these carriers in Wayne County to make that conversation move. Dearborn homeowners are not obligated to accept the first number, and we stay involved through the full claims cycle to make sure they don't have to.
Dearborn's Fire Department operates five stations within the city, producing response times that are among the fastest in Wayne County — typically 3 to 5 minutes to most Dearborn addresses. Rapid suppression is a genuine benefit for limiting structural fire damage, but it also means significant suppression water is introduced into the structure. A contained kitchen fire in a Dearborn brick colonial can produce 20,000 to 40,000 gallons of firefighting water distributed through floors, wall cavities, and ceiling assemblies throughout the home. Phase III coordinates with the fire department on scene release and begins moisture mapping within the first 24 hours of access. That mapping establishes the full scope of secondary water damage, which is a separate line-item category in Xactimate from the fire and smoke damage itself. Homeowners who wait for their insurance company to initiate this process frequently see mold establish itself before remediation begins — particularly in Dearborn's older plaster-and-lath construction where moisture wicks into wall cavities rapidly. Calling Phase III the same day the fire department clears the scene is the most important single step a Dearborn homeowner can take to protect both the property and the claim value.
Dearborn's Building Support Services requires permits for structural repairs, roofing replacements, electrical work, and plumbing modifications. The permit review process for residential restoration in Dearborn typically runs 3 to 7 business days, and Phase III files those applications as the licensed General Contractor on every project. Work performed without permits in Dearborn can produce stop-work orders, required demolition of completed work, and direct complications with the insurance settlement when the carrier's inspector evaluates the final scope. Permitted work also triggers a required completion inspection that gives the homeowner a documented record that the project meets current Michigan Building Code — a record that matters at resale and that provides legal protection if the insurance carrier later disputes what was repaired. Phase III accounts for Dearborn's permit timeline in every project schedule from the initial inspection forward.
We have been serving Dearborn from our Westland base since 1993. That is more than thirty years of restoration work in Wayne County, which means the specific construction eras common in Dearborn are not unfamiliar territory — the plaster walls, brick exteriors, original hardwood floors, and period millwork that define Dearborn's housing stock are restoration problems we have solved for decades. When a carrier prices plaster walls at drywall rates or values a 1940s oak floor at commodity laminate replacement cost, we know exactly what documentation to build to push back. Phase III holds Michigan Builders License #262000615, carries full general liability insurance, and is BBB A+ rated. Our office at 37600 Ford Road in Westland puts us in easy reach of every Dearborn ZIP code, and our crews work across this city regularly. When you call us after a loss, you are reaching people who know Dearborn.
If your Dearborn home has been affected by fire, storm damage, water intrusion, or mold, Phase III Construction is ready to respond — day or night, any day of the year. We serve all of Dearborn across ZIPs 48120, 48124, 48126, and 48128. Call us at (734) 237-7322 to schedule a free inspection and find out exactly what your insurance claim should be worth.