Troy, MI — Oakland County — SE Michigan
Phase III Construction serves Troy with 24/7 fire, hail, water, and storm damage restoration. We document your premium-material home at replacement cost and fight your carrier from the first call to the final payment.
From emergency board-up to complete rebuild — Phase III handles every phase and fights your insurance carrier at every step.
Emergency board-up, debris removal, structural rebuild, smoke remediation. Full material documentation ensures premium finishes are replaced at full replacement cost. Learn more →
Architectural roofing systems, premium siding, windows — full hail and storm damage restoration with insurance claim documentation built for supplement recovery. Learn more →
Emergency extraction, structural drying, mold prevention, and full rebuild including finished lower-level living space. Learn more →
Smoke distributes throughout the structure beyond the fire location. We clean every affected surface and rebuild at pre-loss quality. Learn more →
Phase III manages every detail from emergency response to final walkthrough.
We reach Troy via I-75 and M-59 and respond 24/7. Our first priority on arrival is securing the structure and preventing further damage while establishing the documentation baseline for the claim.
We photograph and document every surface at material-grade level before any mitigation begins. This documentation is formatted for Xactimate and is specifically designed to support premium-material supplementation.
We attend adjuster inspections, submit written supplements for missed scope and underpriced materials, and push back on standard-grade pricing. Troy homes deserve Troy-level replacement cost estimates.
As a licensed Michigan GC, we pull all Troy Building Department permits and manage every trade — returning your home to pre-loss condition with materials that match what was there before the loss.
Phase III covers all of Oakland County, including communities adjacent to Troy.
ZIP codes served: 48083, 48084, 48085, 48098, 48099.
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Tell us about the damage and we will contact you within the hour. No obligation. No cost.
Yes. Phase III Construction serves Troy and all of Oakland County. We are based in Westland and respond 24/7 to fire, hail, water, storm, smoke, and mold damage. Call (734) 237-7322 any time.
We reach Troy via I-75 and M-59 and are typically on scene within 1 to 2 hours of your call. We respond 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, AAA, and others. Oakland County homeowners frequently carry higher-limit replacement cost policies, and we ensure that coverage is fully utilized.
Almost certainly not. Troy homes with architectural shingles, Hardie or engineered siding, engineered hardwood, and custom cabinetry are routinely underpriced in first estimates. Adjusters default to standard-grade Xactimate line items unless challenged. Phase III documents existing material grades and supplements to reflect actual replacement cost.
Hail and storm damage is the primary claim category, driven by SE Michigan's storm corridor and the prevalence of premium roofing systems throughout Oakland County. Water damage in finished lower-level spaces is a consistent second. Kitchen fires in custom Troy kitchens with premium granite, hardwood, and custom cabinetry represent the highest-value individual claims we regularly see.
Yes. Phase III holds Licensed Residential Builder #262000615, carries full general liability insurance, and is BBB A+ rated. We pull all permits required by Troy's Building Department for every project.
Yes. Michigan law gives you the right to choose your own licensed contractor. Preferred contractors are vetted and managed in the carrier's interest. Phase III advocates for the homeowner from the first inspection through final settlement.
Call Phase III at (734) 237-7322 before contacting your carrier. We conduct a full inspection first and document damage in Xactimate format before you file. This protects your interest from the first contact with the carrier and prevents the adjuster from setting the initial scope anchor without competing documentation.
Do not re-enter until Troy Fire Department clears the scene. Then call Phase III immediately at (734) 237-7322. Do not discard, clean, or move anything. Pre-mitigation documentation is the foundation of the entire claim and cannot be recreated after the fact.
Emergency stabilization within 24 to 48 hours. Troy Building Department permit review for residential projects typically takes 5 to 10 business days. Active construction on a hail or water claim runs 1 to 3 weeks; a fire rebuild with premium materials can run 8 to 16 weeks depending on material lead times and insurance approval. We provide a detailed project schedule after the initial inspection.
Troy's housing stock varies significantly by area. The older neighborhoods near the Royal Oak and Madison Heights borders have 1960s-1970s construction with different vulnerability and code-upgrade profiles than the newer custom homes in the Big Beaver and I-75 corridor subdivisions. We approach each claim with the actual construction era and material profile of the specific home, not a generic Oakland County template.
A supplement is a formal request to correct the adjuster's estimate -- adding missed items, correcting material grades, or adjusting line-item pricing to reflect actual replacement cost. For Troy homes with premium materials, the gap between a standard first estimate and full replacement cost can be substantial -- often $10,000 to $30,000 or more on a significant roof or water claim. Phase III's supplement process is systematic and documentation-driven, and our Oakland County recovery track record reflects it.
Phase III responds 24/7 to fire, hail, water, and storm damage throughout Troy and Oakland County.
☎ (734) 237-7322Troy is one of the most economically significant cities in Michigan — a community of 87,294 residents and a corporate hub for Oakland County, with a housing stock that ranges from 1960s colonials near the Madison Heights and Royal Oak borders to high-end custom homes in the newer northern subdivisions near M-59. That range matters for property restoration because the construction era, the material profile, and the claim values involved differ substantially by neighborhood. A hail claim on a 1960s ranch in the 48083 ZIP involves a different set of documentation priorities than a hail claim on a 2005 custom colonial in the 48098 ZIP, and Phase III knows the difference. We approach every Troy claim with the specific housing context of that address, not a generalized approach.
Troy sits in the primary SE Michigan storm corridor, and the city's diverse housing stock means that every significant hail event produces claims across multiple construction eras and material profiles. The older neighborhoods near Livernois and Maple Road corridors have aging roofing systems that are legitimately at end-of-life on many properties — hail events push these into full-replacement claim territory. The newer luxury subdivisions near Big Beaver Road and the I-75/M-59 interchange have architectural and premium designer shingle systems that are more durable but still subject to functional damage from significant hail events, and the documentation challenge there is establishing that functional damage occurred rather than just cosmetic strike marks. Phase III's field inspectors are trained in both categories and produce reports that support supplemental recovery whether the system is a builder-grade 25-year or a premium 50-year architectural product.
Oakland County's drainage infrastructure is generally better than Wayne County Downriver, but Troy's significant development over the past four decades has introduced stormwater management challenges in specific subdivisions where rapid build-out outpaced drainage planning. Homeowners in lower-grade areas of newer subdivisions have experienced basement water events during significant rain events, particularly where sump systems are the primary below-grade drainage solution.
The most consistent restoration work Phase III handles in Troy involves hail damage claims on premium roofing systems where initial adjuster estimates default to standard-grade pricing. This is the single most common form of claim underpayment we encounter in Oakland County: an architectural shingle system — installed at two to three times the cost of standard three-tab — gets priced by the adjuster at three-tab line item rates in Xactimate, and the homeowner loses thousands of dollars unless someone with the documentation and knowledge to supplement pushes back. Phase III identifies the existing shingle class, documents it with photographs and manufacturer specifications, and submits the supplement with supporting pricing. Water damage restoration in Troy's finished lower-level spaces requires the same premium-material documentation approach: engineered hardwood flooring, tile, custom millwork, and high-grade drywall finishes get defaulted to builder-grade pricing in first estimates unless specifically documented and supplemented. Fire damage claims in Troy's custom kitchens represent the highest-value individual restoration projects we handle in Oakland County, involving granite, premium hardwood, custom cabinetry, commercial-style appliances, and the smoke and soot distribution that follows a kitchen fire throughout an open-plan home.
Troy homeowners generally carry strong homeowner's policies — higher limits, replacement cost coverage, and more comprehensive endorsements than many SE Michigan communities. That is a significant advantage in a major loss, but it does not prevent the systematic underestimation that occurs at the first-estimate stage of most claims. Carriers have developed sophisticated estimating practices designed to produce defensible low settlements, and they are staffed with adjusters who know Xactimate's pricing structure better than most contractors. Phase III's advantage is that we have worked through the supplemental process with every major carrier in Michigan across more than 1,000 claims and more than $10 million in recovered proceeds. We know which line items each carrier typically misses, which pricing categories are most frequently defaulted to lower grades, and which documentation formats are most effective in producing settlement at full replacement cost. In Troy, where the difference between a properly supplemented claim and an unchallenged first estimate can easily exceed $20,000 to $40,000 on a significant loss, that experience is what you are paying for when you call Phase III.
Troy Fire Department operates a well-funded, multi-station department with strong response times across the city's 34 square miles. When TFD reaches a structure quickly, visible fire damage is limited — but the secondary effects are not. Suppression water, smoke, and soot distribution in Troy's two-story colonials and multi-level custom homes can be extensive, and the pattern is specific to the construction: in two-story opens with large stairwells and vaulted ceilings, smoke and soot travel to every open space in the structure, depositing on surfaces throughout the home. Phase III coordinates with Troy Fire for scene release, begins moisture mapping and smoke distribution assessment within 24 hours, and documents secondary water damage as a separate scope category before any mitigation begins. The resulting documentation captures the full claim value — and in Troy's higher-value homes, that full documentation is frequently worth more than the visible fire damage alone.
Troy's Building Department requires permits for structural work, roofing replacements, electrical modifications, plumbing, and HVAC changes. Phase III applies for all required permits as the licensed General Contractor on every Troy project, and we incorporate the typical permit review timeline into every schedule we present to a homeowner. Troy's permitting process is thorough, and the city's final inspections verify code compliance. For Troy homeowners, that compliance documentation has direct resale value — buyers and their agents in Oakland County regularly verify permit status for recent work, and permitted, inspected restoration protects the transaction. It also protects against future insurance disputes: a carrier arguing that post-loss work failed to meet code has no traction against a project that cleared Troy Building Department inspection on final.
If your Troy home has been affected by storm damage, hail, fire, water intrusion, or mold, Phase III Construction is ready. Call us any time at (734) 237-7322 and we will come out, assess the damage at material-grade level, and tell you exactly what you have and what your insurance should pay for it.