33 years working alongside State Farm adjusters across Wayne, Oakland, Macomb, and Washtenaw counties. We document every line item to Xactimate standards — the same system State Farm uses — and handle the rebuild from first inspection to final nail.
Understanding how your claim moves through the system is the first step. Here's the standard State Farm workflow for a Michigan homeowner with storm, hail, or wind damage.
State Farm adjusters use Xactimate — the industry standard software for pricing residential storm damage repairs. Every estimate they produce is a line-by-line Xactimate output with specific labor rates, material costs, and overhead calculations built in.
Phase III documents every job to the same Xactimate standard. When our scope goes to State Farm, it's formatted the way their adjusters are trained to review it — with clear line items, photo support, and pricing that matches the database they're working from. That alignment matters when a supplement is in review.
This isn't a pitch. It's a practical reality of how insurance restoration works in Michigan. Contractors who document to Xactimate standards resolve supplement disputes faster and with less friction than those who don't.
We're the licensed contractor, not the adjuster. Our job is to document the damage completely, build to the approved scope, and ensure the finished project matches what the policy covers.
Michigan homeowners have the legal right to select their own licensed contractor for any insurance-covered repair. State Farm cannot require you to use a specific vendor or preferred network contractor. If you have a State Farm homeowners policy and need storm damage repair, you choose who does the work — not your insurance company. Phase III holds Michigan General Contractor License #262000615 and carries full liability and workers' compensation coverage.
Most State Farm homeowners policies pay claims on a Replacement Cost Value (RCV) basis — meaning they cover the full cost to replace the damaged item at today's prices, not what it was worth before the storm. However, most policies release that payment in two stages.
First payment (ACV): State Farm issues an initial check for the Actual Cash Value — replacement cost minus depreciation. For a 15-year-old roof, that could be a significant reduction from the full replacement cost.
Second payment (Recoverable Depreciation): Once the work is complete, you submit final invoices and State Farm releases the held depreciation. This is the "recoverable" portion — and it's yours once the repair is finished and documented.
Phase III tracks both payments and ensures the completion documentation State Farm requires is submitted accurately and on time.
Free. On-site within 2 hours. No obligation. We'll give you a written damage assessment before you commit to anything.
Schedule Free Inspection Call (734) 237-7322