Michigan Homeowner Guide — Insurance Claim Advocacy
Most homeowners leave tens of thousands of dollars on the table after a smoke and soot event. Not Phase III clients. Here's how we make sure your policy pays every dollar it owes — and what happens at every step of the way.
How We Work
Phase III manages every step from first call through final rebuild.
Soot and smoke residue are evidence. Premature cleaning — even well-intentioned cleanup by family members — can destroy the documentation your claim depends on. Phase III's first instruction to every client: let us document before anything is cleaned, moved, or covered.
Smoke does not stay in the room where the fire occurred. Soot particles migrate through HVAC systems, penetrate wall cavities, travel through ceiling spaces, and contaminate adjacent rooms far from the origin point. Phase III maps migration patterns systematically — this documentation is the foundation of a complete supplement.
HVAC systems are the primary mechanism for smoke distribution throughout a structure. Duct contamination, equipment fouling, and air quality degradation are claimable components that carriers routinely omit from initial estimates. Phase III documents every HVAC component affected.
Personal property affected by smoke and soot — clothing, furniture, electronics, bedding, artwork — is a significant portion of many smoke damage claims. Phase III inventories all affected contents, distinguishing between items that can be professionally cleaned and those that require replacement.
Carriers treat smoke claims as cleaning jobs. Phase III documents the full restoration scope: soot remediation, HEPA treatment, odor neutralization, HVAC cleaning, contents handling, and complete structural restoration for all affected areas. We submit and negotiate the supplement directly with the carrier.
Phase III executes the full scope: professional soot cleaning, HEPA remediation, odor treatment, HVAC system cleaning, and complete reconstruction of all affected areas. Builders License #262000615. One contractor through final punch list.
Insurance Expertise
Insurance carriers send adjusters who see visible soot and write a cleaning estimate. The reality of smoke damage is far more complex — soot penetration into building materials, HVAC system contamination, persistent odor that requires chemical treatment, and contents loss are all claimable. Carriers who settle smoke claims as cleaning jobs are underpaying.
Phase III documents the complete scope of smoke and soot damage: migration mapping, contents inventory, HVAC assessment, and a remediation scope that reflects what actual restoration requires. We don't let carriers close a smoke claim short.
Soot migration evidence — we document beyond the visible fire area into all affected spaces.
HVAC contamination documentation — duct cleaning, equipment replacement, and air quality are claimable.
Contents inventory — all affected personal property is itemized, valued, and submitted for the claim.
Odor treatment documentation — professional deodorization requirements are documented and argued.
Our Track Record
Why Phase III
Phase III brings smoke migration expertise, contents documentation, and full GC authority to every SE Michigan smoke and soot claim.
We systematically document smoke penetration beyond the visible area — using thermal imaging, moisture mapping, and air quality assessment to build the evidence your claim requires.
Smoke-affected personal property requires proper inventory and valuation. Phase III documents every item correctly — cleaning vs. replacement determinations supported by industry standards.
From soot cleaning through HEPA remediation, odor treatment, and complete reconstruction — Phase III holds Builders License #262000615 for the full restoration scope.
Service Area
We serve Wayne, Oakland, Washtenaw, and Livingston Counties — 49 cities total. From Livonia to Auburn Hills, Westland to Ann Arbor. Day or night, weekends and holidays.
View All Service Areas →Don't let your carrier close a smoke claim as a cleaning job. Phase III documents and fights for the complete scope.
(734) 237-7322 — Call Now