Storm Damage - SE Michigan - 33 Years Experience
Have a State Farm homeowner policy and storm, wind, or tornado damage in Michigan? Phase III documents every line item, works directly with your State Farm adjuster, and handles the claim from inspection through final restoration.
Call (734) 237-7322 Free InspectionStorm Damage We Handle
Phase III handles the full range of storm damage covered under State Farm homeowner policies in Michigan -- documented to Xactimate standards the way State Farm staff adjusters expect to see it.
Lifted shingles, decking damage, flashing failures, ridge cap loss -- documented to Xactimate standards with photos, measurements, and line-item estimates.
Wind-driven siding damage, gutter detachment, soffit and fascia damage -- fully scoped and submitted to State Farm as part of the complete claim.
Fallen trees on structures, projectile impact damage, structural breaches -- documented before removal to preserve the insurance record.
Secondary water damage from storm breaches -- ceilings, walls, insulation, flooring -- included in the storm claim, not treated as a separate water loss.
The Process
Phase III inspects your property at no charge and documents every item of storm damage -- roof, siding, gutters, windows, structure, and interior.
We build a complete Xactimate estimate formatted the way State Farm staff adjusters expect -- line item by line item, code references included.
Phase III works directly with your State Farm adjuster. We can be present during the inspection and handle all supplemental submissions.
From approved scope to finished work -- Phase III manages the complete restoration so you don't have to manage multiple contractors.
State Farm Claim Reference
File through the State Farm mobile app or call 1-800-732-5246. Request a full property inspection. Consider having Phase III present during the adjuster visit.
State Farm uses Xactimate to estimate storm damage. Phase III generates estimates formatted to align with State Farm's methodology -- no translation required.
Your State Farm policy deductible applies to wind and storm damage claims. Phase III can walk you through how deductibles apply to your specific State Farm policy.
State Farm offers a Select Service contractor network, but Michigan law gives you the right to choose any licensed contractor. You are never required to use a State Farm Select Service contractor.
Phase III inspects at no charge and builds your claim documentation. Call (734) 237-7322 or submit below.
Common Questions
What should I do after storm damage if I have State Farm?
Document the damage with photos immediately. File your claim through the State Farm mobile app, online at statefarm.com, or by calling 1-800-732-5246. Request a full property inspection and consider having Phase III present during the adjuster visit to ensure all damage is captured.
Does State Farm cover wind and storm damage in Michigan?
Standard State Farm homeowner policies in Michigan cover wind storm damage, fallen trees, and associated structural damage. Coverage specifics depend on your policy form. Phase III will review your policy and help document damage to the full scope of your coverage.
Do I have to use a State Farm preferred contractor in Michigan?
State Farm offers a Select Service contractor network, but Michigan law gives you the right to choose any licensed contractor. You are never required to use a State Farm Select Service contractor.
How does State Farm handle supplemental claims?
State Farm reviews supplements through their desk adjuster team. Phase III submits documented supplements with photographs and Xactimate line items, providing the documentation needed for State Farm's review process.
What if State Farm denies my storm damage claim in Michigan?
A denial is not necessarily final. You have the right to request a re-inspection, provide additional documentation, or invoke your policy's appraisal clause if you and State Farm disagree on the scope or value of damage. Phase III can help build a comprehensive documentation file including photos, moisture readings, and a professional Xactimate estimate to support a re-inspection or dispute process.