Troy Fire, Hail, Wind & Water Damage Restoration

A kitchen fire in a Troy colonial caused fire damage to the kitchen and smoke penetration throughout the adjacent great room and hallway. State Farm’s adjuster produced an estimate that covered the kitchen rebuild, but priced granite countertops at laminate rates and excluded the smoke damage to adjacent rooms.

Phase III documented the full affected area with thermal imaging before any mitigation began. Smoke had penetrated the great room ceiling and wall cavities as well as the first-floor hallway. We also documented the kitchen’s actual material specifications — granite, custom cabinetry, and hardwood flooring — and priced them at correct replacement cost.

We supplemented for adjacent room smoke remediation, correct material pricing on the kitchen rebuild, and hardwood floor refinishing across the first floor. State Farm approved the complete supplemented scope.

A significant hail event hit a 2003 Troy colonial with a full hip roof. Auto-Owners approved replacement on the primary front face and priced the materials at standard architectural shingles. The homeowner called Phase III before signing.

Phase III inspected all four hip faces and found consistent hail impact across every slope. The home had upgraded designer shingles — not standard architectural — and the per-square replacement cost difference was substantial across the full roof area. Gutters showed impact damage across the complete run. The AC condenser had documented fin damage.

We submitted a supplement correcting the material specification to designer shingles, adding the three missed hip faces, complete gutter replacement, and AC condenser. Auto-Owners approved the corrected scope in full.