Royal Oak, MI — Oakland County — Licensed GC
Phase III Construction responds 24/7 to fire, hail, water, and storm damage throughout Royal Oak and Oakland 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 →
Royal Oak's historic neighborhoods, diverse housing stock, and dense residential streets create a restoration market that rewards documentation discipline.
Royal Oak's residential fabric spans 1920s Craftsman bungalows near downtown, 1940s-50s Cape Cods and ranches throughout the established neighborhoods, and newer infill construction along the I-696 corridor. The older housing stock carries replacement costs that standard adjusters routinely discount — original plaster walls, wood windows, period millwork, and construction lumber from an era when dimensional lumber actually matched its nominal size. Phase III documents these structures to original condition, not modern-cost average.
Royal Oak's high residential density — small lot sizes, close-set homes, attached garages — means fire events can spread quickly between structures. When fire travels through attached garages or via shared walls, the claim involves multiple properties and the documentation requirement multiplies. Phase III documents every affected structure individually before any mitigation begins. Each homeowner's claim needs its own complete pre-loss record — not an averaged scope that shortchanges individual owners.
State Farm and Allstate dominate Royal Oak's residential market, with USAA and Auto-Owners representing meaningful secondary shares. Royal Oak is a high-value Oakland County suburb — carriers in this market are attentive to claim value and expect well-documented files. Phase III prices every Royal Oak estimate to current Oakland County labor rates and supplements aggressively for scope that initial aerial-based assessments miss. The older housing stock in Royal Oak creates consistent supplement opportunity — particularly on roofing, original window systems, and exterior wood trim.
Royal Oak sits in one of Oakland County's most active storm corridors — the I-696 and Woodward Avenue axes see regular hail activity from storm cells moving northeast through the Metro Detroit area. The complex rooflines of Royal Oak's older homes — dormers, valleys, multiple pitches — mean hail damage scope is consistently higher than a flat-roofed suburban ranch. Phase III maps every roofing plane, every gutter run, and every soft metal surface before we present any estimate.
Phase III Construction manages every detail — from the moment you call to the day you move back in.
We respond to Royal Oak 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 Oakland County, including neighboring communities.
ZIP codes served: 48067, 48068, 48073. View full service area →
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We respond to Royal Oak on-site within 2 hours for emergencies. We're available 24/7, including nights, weekends, and holidays.
Yes. We work with every major carrier in Michigan — State Farm, Auto-Owners, Allstate, Farm Bureau, Frankenmuth Mutual, Citizens, and others. We understand how each carrier approaches claims in Oakland County.
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.
Yes. You have the right to choose your own licensed contractor. Insurance companies may push their preferred vendors, but you are not obligated to use them.
Yes. We hold Michigan General Contractor License #262000615, carry full general liability insurance, and are BBB A+ rated. We pull all required permits for every project.
Yes. Royal Oak's downtown-adjacent neighborhoods have 1920s-1950s construction that requires documentation to original condition. Plaster walls, original wood windows, period millwork, and pre-war lumber dimensions all carry replacement costs that generic adjuster estimates discount. Phase III documents these homes correctly from the first inspection.
State Farm and Allstate are the dominant carriers in Royal Oak, with USAA and Auto-Owners representing meaningful secondary shares. All four carriers have tightened their southeast Michigan adjustment process in recent years — initial estimates tend to come in conservative, and supplement conversations are increasingly standard. Phase III's documentation is built for this environment.
Phase III responds 24/7 to fire, hail, water, and storm damage throughout Oakland County.
☎ (734) 237-7322