Southeast Michigan • St. Clair County • The Blue Water Area
Phase III Construction restores homes across St. Clair County after fire, hail, storm, smoke, and water damage, from Port Huron and the Lake Huron shoreline to the St. Clair River towns and the rural townships. We document the loss to insurance standards, work directly with your adjuster on the repair scope, and rebuild as a licensed Michigan builder.
Emergency stabilization through final rebuild, handled by one licensed contractor with one documentation standard.
Emergency board-up, debris removal, structural rebuild, and full smoke and soot remediation, including fires in detached garages and outbuildings. Every surface is documented before anything is moved. Learn more →
Roofing, gutters, siding, windows, metal roofing, and outbuildings. Slope-by-slope and structure-by-structure documentation built for the way carriers estimate storm losses. Learn more →
Frozen pipes, ice dams, appliance failures, and basement water. Extraction, monitored structural drying, mold prevention, and rebuild, with the cause of loss documented from the first visit. Learn more →
Smoke from a fire, including a wood stove, chimney, or furnace malfunction, travels well past the source. We map it room by room, clean or replace affected materials, and treat odor at the source. Learn more →
A county with two long shorelines and a large rural interior, and a damage profile to match.
St. Clair County sits at the northeast edge of the Detroit metro, where Lake Huron empties into the St. Clair River. The county had 160,383 residents at the 2020 census, and Port Huron is the county seat. The county covers about 837 square miles, roughly 115 of them water. Lake Huron forms its northeast shoreline, and the St. Clair River runs along its entire eastern edge, separating Michigan from Ontario. I-94 and I-69 both end at the approach to the Blue Water Bridge in Port Huron.
That geography shapes the claims. Shoreline homes in Port Huron, Fort Gratiot, and Burtchville face open-water wind off Lake Huron. The river towns of Marysville, St. Clair, Marine City, East China, and Algonac deal with wind, moisture, and ice along the water. Inland, the townships are largely rural: farmhouses, newer homes on acreage, detached garages, and pole barns, where a single storm can damage four or five structures on one property. Each situation calls for a different documentation approach.
Phase III has done insurance restoration in Southeast Michigan for 33 years and has handled more than 1,000 claims. We hold Michigan Residential Builder License #262000615, which lets us perform the full rebuild and pull permits through the building authority with jurisdiction over your property. We are the contractor, not a public adjuster: we document the damage, work with your insurance company on the repair scope, and build the job.
St. Clair County includes 8 cities (two of them shared with Macomb County), 2 villages, 4 charter townships, and 19 civil townships. Phase III serves all of them: Port Huron, Marysville, St. Clair, Marine City, Algonac, Yale, Memphis, Capac, Emmett, Fort Gratiot, Port Huron Township, East China, China Township, Kimball, Clay, Cottrellville, Ira, St. Clair Township, Burtchville, and every rural township in the county.
Port Huron and the river towns include many older homes, some built well over a century ago, with plaster walls, balloon framing, and multiple roofing layers. Newer subdivisions ring Port Huron, Marysville, and Fort Gratiot. The rural townships mix older farmhouses with newer homes on acreage and a large number of outbuildings. Older construction raises code-upgrade questions on almost every rebuild, and rural properties require each structure to be documented and scoped on its own.
Four areas of the county, each with its own damage profile and documentation requirements.
Homes along Lake Huron face wind that builds over open water before it reaches land. Wind claims here commonly involve lifted and creased shingles along eaves, rakes, and ridges, displaced ridge cap, loose flashing, damaged soffit and fascia, and water driven in through openings the storm created. Winter adds ice dams and freeze damage. Phase III documents wind damage by direction and pattern and traces any water entry to its source, which is what separates a covered storm loss from a maintenance condition in the adjuster's review.
The river towns along M-29 combine older housing stock with waterfront exposure. Riverfront homes take wind and moisture off the water, and many older homes in these communities have original framing, plaster, and multiple layers of roofing that complicate both the repair and the code requirements. Algonac, Harsens Island, and the St. Clair Flats area add canal and island properties with their own access and moisture considerations. We document all of it, and we separate storm damage from long-term moisture or high-water conditions so the covered portion of the loss is clear.
Much of St. Clair County is open farmland and large-lot residential. Open terrain gives storms nothing to break them up, and rural properties often have several structures: the house, a detached garage, a pole barn, sheds, and fencing. Each is documented separately and scoped under the right part of the policy, because other structures carry their own coverage limit. Metal roofing and siding on outbuildings need their own documentation: hail can dent metal panels without puncturing them, and whether that is paid often depends on the policy language, so we record exactly what the damage is.
The interstates that converge on the Blue Water Bridge run through the growth areas around Port Huron, where newer subdivisions have architectural shingles, vinyl siding, and aluminum trim. Hail on these homes often shows as bruised or fractured shingles, dented gutters and downspouts, dented trim coil, and cracked vinyl siding. Carriers may begin with aerial imagery on newer roofs. A slope-by-slope physical inspection with test squares and soft-metal documentation captures the damage imagery misses.
Open-water wind, open-field hail, and winter ice produce different evidence. The documentation has to match the storm.
Severe weather crosses St. Clair County on its way to Lake Huron and Ontario, and the open farmland of the western and central townships lets hail and straight-line wind reach properties at full strength. Hail falls in bands, so damage can be heavy on one road and absent on the next. Carriers review hail claims against weather data for the date of loss, and Phase III ties our roof findings to collateral evidence at the property: dented soft metals, spatter marks, damaged screens, HVAC fin damage, and marks on outbuilding metal, so the adjuster can see the storm was there.
Along the shorelines, the evidence is usually wind rather than hail. Documentation has to show the direction and pattern of damage, the condition of the roofing fasteners and seal strips, and the path any water took into the building. Winter claims are different again: ice dams, frozen and burst pipes, and roof damage from ice and snow load need moisture readings, photos of the ice condition, and a clear timeline of what happened.
For every storm claim, we photograph and measure each roof slope, each elevation of siding, every gutter run, windows and screens, fencing, and every outbuilding, plus interior damage from water entry. Every item is recorded so it can be priced line by line in Xactimate, the estimating software most carriers use. When the adjuster's estimate and our scope differ, the photos and measurements are what resolve it.
Cities, villages, and more than twenty townships. Phase III confirms the right building authority for every project so the job and the insurance payments do not stall.
Permit requirements, fees, and inspection scheduling vary across St. Clair County's municipalities. At the start of every project Phase III confirms which building authority has jurisdiction over your property, which permits the scope requires (building, electrical, plumbing, mechanical), and the inspection sequence through final approval. For rural properties we also confirm what the outbuilding work requires, which is not always the same as the house.
Older homes in Port Huron and the river towns frequently trigger code requirements when a damaged area is rebuilt: electrical updates, smoke and carbon monoxide alarms, egress, and roofing components such as ice barrier. Whether your policy pays for code-driven items depends on its ordinance-or-law coverage. We identify these items early, document why each is required, and present them to the adjuster before construction starts.
For fire losses, the responding fire department's incident information is part of the claim file. Phase III coordinates with you to obtain it and keeps it with the rest of the documentation from the first adjuster meeting onward.
Port Huron, Marysville, St. Clair, Marine City, Algonac, Yale, Memphis, Fort Gratiot, Port Huron Township, East China, China, Kimball, Clay, Ira, Cottrellville, St. Clair Township, Burtchville, and the remaining rural townships and villages. We handle applications, plan requirements, and inspection scheduling.
Smoke and carbon monoxide alarms, electrical updates, egress requirements, ice barrier and drip edge, and other items the local code requires when damaged areas are rebuilt. Each is documented and presented to the adjuster as part of the scope before work begins.
From the emergency call to the final walk-through, one team manages the job.
Call (734) 237-7322 any time. The first priority is protecting the property from further damage: board-up, roof tarping, water extraction, and securing the structure. Reasonable mitigation is part of the claim, and your policy expects it.
Before anything is removed or cleaned, we photograph, measure, and record every affected area of the house and every damaged outbuilding. The documentation is organized the way carriers build estimates in Xactimate, so each item matches a line in the adjuster's estimate.
We meet the adjuster when possible, walk the damage with them, and compare their estimate to our documented scope. When covered repair items are missing or underpriced, we submit a supplement with photos, measurements, and line-item support. You pay your deductible; the insurance proceeds pay for the covered work.
As a licensed Michigan builder, Phase III pulls the permits, schedules the inspections, and completes the work: framing, roofing, siding, drywall, flooring, cabinetry, paint, and finishes. We also provide the completion documentation your carrier needs to release any withheld depreciation.
Phase III serves every city, village, and township in St. Clair County. Select a community below for local coverage details.
St. Clair County ZIP codes served include 48060, 48061 (Port Huron); 48059 (Fort Gratiot); 48040 (Marysville); 48079 (St. Clair); 48039 (Marine City); 48054 (East China); 48001 (Algonac); 48028 (Harsens Island); 48023 (Fair Haven); 48004 (Anchorville); 48074 (Smiths Creek and Kimball Township); 48097 (Yale); 48014 (Capac); 48022 (Emmett); 48041 (Memphis); 48049 (North Street); 48063 (Columbus); 48064 (Casco); 48006 (Avoca); 48027 (Goodells); 48002 (Allenton); and 48032 (Jeddo). View full service map →
Complete documentation, a direct working relationship with your adjuster, and a licensed builder who finishes the job.
Phase III has worked insurance claims in Southeast Michigan since 1993 and has handled more than 1,000 of them. Our documentation anticipates the questions an adjuster will ask, and our scopes hold up in review.
On rural and waterfront properties, the house is rarely the only thing damaged. We document every structure on the property, so garages, pole barns, sheds, and fencing are scoped and paid under the right coverage instead of being left off the claim.
Most carriers price claims in Xactimate. Our photos, measurements, and scope notes are organized so each item translates to a line in that system. Fewer rounds of back-and-forth means fewer delays on your payments.
Mitigation, documentation, the insurance scope, permits, and the rebuild are handled by one licensed company. You are not coordinating separate crews who have never met each other, and nothing falls between the cracks.
Tell us about your property and the damage. A Phase III team member will contact you within 2 hours during business hours, or first thing the next morning. For an active emergency, call (734) 237-7322.
Common questions about restoration, insurance claims, and our process in St. Clair County.
Yes. Phase III serves every city, village, and township in St. Clair County, including Port Huron, Fort Gratiot, Marysville, St. Clair, Marine City, East China, Algonac, Harsens Island, Kimball Township, Yale, Capac, Emmett, Memphis, and the rural townships in between. Every project is handled by the same documentation team and the same licensed rebuild crews.
Phase III is headquartered at 37600 Ford Rd in Westland and takes emergency calls 24 hours a day, 7 days a week at (734) 237-7322. For St. Clair County we schedule the emergency response around your situation: board-up, roof tarping, and water extraction are dispatched as quickly as travel and conditions allow, and we give you a real arrival window on the phone. If you have active water entering the home, shut off the water supply if it is a plumbing failure and move valuables away from the water while we are on the way.
No. Phase III is a licensed Michigan residential builder (License #262000615) and the contractor that performs your repairs. We document the damage to the standard carriers use, work directly with your adjuster on the repair scope, submit supplements when covered repair items are missing or underpriced, and build the job. Your insurance proceeds pay for the covered work; you are responsible for your deductible.
Wind and hail damage to roofing, siding, gutters, and outbuildings is a major share of claims, especially on open rural properties and along the Lake Huron and St. Clair River shorelines. Water losses from frozen pipes, ice dams, and basement water are common in winter and spring. Fire losses, including those in rural homes, detached garages, and pole barns, carry the largest scopes.
Yes. On rural St. Clair County properties, a storm often damages outbuildings as well as the house. Those structures are usually covered under the other-structures portion of a homeowners policy, which has its own limit. We document each structure separately, including metal roofing and siding, doors, and framing, so it is scoped and paid under the right coverage.
Review it carefully before you sign anything. First estimates often leave out items a licensed builder must perform to complete the repair, such as code-required roofing components, full elevations of matching siding, soft metals, or cleaning in rooms affected by smoke. Phase III compares the adjuster's estimate to our documented scope and submits a supplement with photos and line-item support for anything missing.
Yes. Phase III holds Michigan Residential Builder License #262000615 and pulls permits through the building authority with jurisdiction over your property, whether that is a city such as Port Huron or Marysville or one of the county's townships. We confirm the authority at the start of every project and schedule the required inspections through final.
We work with the carriers that write homeowners policies in St. Clair County, including State Farm, Allstate, Auto-Owners, Citizens, Hanover, USAA, Farmers, Liberty Mutual, and others. The documentation standard is the same for every carrier: complete photos, measurements, and an itemized scope that matches how the carrier builds its own estimate.
Yes. Waterfront homes in Port Huron, Fort Gratiot, Marysville, St. Clair, Marine City, Algonac, and Harsens Island take more wind and more moisture than inland properties. We document wind damage by direction and pattern, identify the path of any water entry, and separate storm damage from long-term moisture or high-water conditions, because coverage depends on that distinction.
Yes. Burst pipes and ice dams are common winter losses in St. Clair County. We extract water, dry the structure with monitored equipment, document moisture readings and the cause of loss, and rebuild. Sudden pipe bursts are commonly covered; your policy may have conditions about maintaining heat in the home, so we document the circumstances accurately.
Phase III Construction LLC holds Michigan Residential Builder License #262000615. You can verify it through the Michigan Department of Licensing and Regulatory Affairs (LARA) online license lookup. Certificates of general liability and workers' compensation insurance are available on request before any work begins.
All of them, including 48060 and 48061 (Port Huron); 48059 (Fort Gratiot); 48040 (Marysville); 48079 (St. Clair); 48039 (Marine City); 48054 (East China); 48001 (Algonac); 48028 (Harsens Island); 48023 (Fair Haven); 48004 (Anchorville); 48074 (Smiths Creek and Kimball Township); 48097 (Yale); 48014 (Capac); 48022 (Emmett); 48041 (Memphis); 48049 (North Street); 48063 (Columbus); 48064 (Casco); 48006 (Avoca); 48027 (Goodells); 48002 (Allenton); and 48032 (Jeddo).
Phase III takes emergency calls 24/7 for fire, hail, water, smoke, and storm damage throughout St. Clair County and Southeast Michigan.
☎ (734) 237-7322Phase III covers Southeast Michigan. Select a county for local coverage details.
St. Clair County covers the Blue Water Area of Michigan's eastern shore -- Port Huron where the St. Clair River meets Lake Huron, Marysville, St. Clair, Marine City, Algonac, and the townships stretching inland across the county's 724 square miles. The Blue Water Area has a distinct character shaped by its waterway history: the St. Clair River is one of the busiest commercial shipping corridors in the world, Port Huron's downtown carries architectural history from the late 1800s through the mid 20th century, and the residential neighborhoods reflect construction eras from Victorian-era homes on Port Huron's Gratiot Avenue to postwar ranches in Marysville to newer development in Fort Gratiot and Kimball townships. Phase III Construction works restoration jobs throughout St. Clair County and understands what each of these community types requires.
St. Clair County's Lake Huron exposure is the defining weather factor for the region. The county's eastern shoreline faces directly into prevailing northwest winds off the lake, and lake-effect snow events from Huron during the November through February period can be severe and sudden. Port Huron averages significantly higher snowfall than communities 40 miles inland, and the snow loads on older rooflines in downtown Port Huron -- Victorian and early 20th-century structures with complex rooflines, dormers, and original material assemblies -- create ice dam and structural stress conditions that are uncommon in the more inland markets Phase III typically works. Summer brings its own risk: the Blue Water International Bridge at Port Huron creates a natural weather convergence point where Lake Huron storm systems and inland fronts interact, producing tornado and severe thunderstorm events that have affected the residential neighborhoods on both sides of the river. The inland townships -- Port Huron Township, Clyde Township, China Township -- experience hail and wind from the same storm tracks that affect southeastern Michigan generally.
Port Huron averages more than 50 inches of snowfall annually, significantly above the Michigan statewide average, driven by Lake Huron lake-effect events that deposit heavy wet snow on the city's aging residential rooflines and produce above-average ice dam claim frequency.
The range of restoration work in St. Clair County spans from ice dam remediation and roof collapse repair on Port Huron's historic downtown homes to fire and storm restoration in the more standard residential developments throughout the county. For Port Huron's historic residential neighborhoods -- the homes on Griswold Street, Water Street, Grand Avenue, and the residential blocks adjacent to downtown -- we bring the same approach we apply to any historic housing stock: detailed documentation of existing construction, scope narratives that explain why standard commodity pricing does not capture the cost of a correct restoration, and persistent supplement work to close the gap between the carrier's initial estimate and what the job actually requires. For the county's more standard residential markets in Marysville, Fort Gratiot, and the townships, we run the same documentation discipline at a more conventional scale.
St. Clair County homeowners most commonly carry policies through Erie Insurance, State Farm, Citizens, AAA Michigan, and Auto-Owners. Erie Insurance has a historically strong presence in eastern Michigan and the Blue Water Area, and their claims process is thorough -- Port Huron area homeowners with Erie policies will encounter experienced adjusters who know the market. Phase III has worked Erie claims extensively and knows how to build documentation that works within their process. For waterfront properties on the St. Clair River or Lake Huron shoreline, separate flood or waterway endorsements may apply -- Phase III reviews the full coverage picture on every waterfront job before opening any claim.
Fire response across St. Clair County is handled by a network of municipal departments and fire authorities: Port Huron Fire, Marysville Fire, St. Clair Fire, Marine City Fire, Fort Gratiot Fire, and numerous township departments throughout the county. Port Huron Fire in particular serves a large and complex urban territory including the historic downtown neighborhoods with their older construction. After any structure fire in the county, Phase III identifies the responding department and requests the incident report during intake. One historical note specific to Port Huron's oldest residential neighborhoods: balloon frame construction was still in use in the Blue Water Area through the 1920s, meaning some of the Victorian and early Craftsman homes near downtown Port Huron have open wall cavities that allow fire to travel vertically through the full structure height. We scope those losses with that construction characteristic in mind.
St. Clair County has multiple building jurisdictions -- each of its cities and townships administers permits separately. Port Huron, Marysville, St. Clair, Marine City, and Algonac each have city building departments, while the township areas go through township building officials or St. Clair County. Phase III holds Michigan Builders License #262000615, qualifies to pull permits in all county jurisdictions, and manages every permit from application through final inspection and certificate of occupancy.
Phase III serves St. Clair County as part of our broader southeast Michigan service territory, bringing the documentation discipline and carrier negotiation experience that this market requires. We understand Lake Huron weather, we have experience with historic housing stock, and we know the carriers active in the Blue Water Area. We hold Michigan Builders License #262000615 and carry an A+ BBB rating. When you call Phase III in St. Clair County, you reach a team with the full capability set this market demands -- including the experience to document and defend claims on some of Michigan's most historically significant residential architecture.
If you have fire, storm, ice dam, or water damage anywhere in St. Clair County -- Port Huron, Marysville, St. Clair, Marine City, Fort Gratiot, or the surrounding townships -- Phase III Construction responds day and night. Call (734) 237-7322 for a same-day inspection.