The answer depends on your damage — but when you hire Phase III, the answer is often simpler than you think.
These ranges are based on real Michigan projects. Your actual cost depends on scope, materials, and what your insurance covers.
Based on Xactimate MIDE pricing for SE Michigan — 20 to 40 squares of architectural shingles, with overhead and profit. A typical SE Michigan home runs 25–35 squares.
Spot repairs after hail or wind damage. Cost depends on how many squares are affected and whether flashing or decking needs replacement.
Based on linear footage and material. Aluminum is standard; copper and steel run higher. Includes downspouts.
Aluminum or vinyl siding, including housewrap and fanfold insulation. Depends on square footage and whether sheathing was compromised.
Spot replacement after wind or hail. Matching existing color and profile is critical for insurance purposes.
Aluminum wraps on existing frames — the standard insurance scope for hail-damaged window trim and casing. Not full window replacement.
Often damaged alongside roofing. Cost depends on linear footage and whether underlying wood structure needs repair.
Caused by roof leaks after storms. Scope varies widely — ceiling drywall replacement on the low end; structural remediation on the high end.
A properly supplemented full exterior hail claim on a SE Michigan single-family home. This is what a complete, accurately scoped Xactimate estimate actually settles for — not the initial carrier number.
The number your insurance company gives you first is rarely the final number. Most carriers issue an initial estimate based on visible damage from photos or a quick desk review. A thorough on-site inspection by a licensed contractor almost always reveals additional items — this is normal and expected.
A recent example from SE Michigan:
State Farm's initial estimate: $28,657. Phase III's properly-scoped Xactimate estimate for the same property: $135,106. Every dollar of the difference was legitimate, covered damage — just not documented in the carrier's first pass. That's why contractor choice matters.
Here's how the process works when you hire a licensed contractor the right way.
Phase III inspects your roof, siding, gutters, and exterior at no cost to you. No obligation.
We document every item of damage using Xactimate — the same estimating software your insurance company uses. No translation errors. No missed line items.
Your insurance carrier issues a payment for covered repairs based on your policy.
We complete all repairs to Michigan building code. Licensed. Insured. Permitted where required.
Your carrier pays Phase III directly for the completed work from the claim settlement.
That's it. Your deductible is your out-of-pocket cost.
Your only out-of-pocket cost is your deductible.
We don't guess. We don't leave money on the table. We know what's covered, what's commonly missed, and how to supplement when your carrier's estimate doesn't capture the full scope. That's why our clients consistently receive more than the initial carrier estimate — and still only pay their deductible.
Phase III Construction is a licensed builder (Builders License #262000615), not a public adjuster. We are compensated from your insurance claim settlement for work performed. You are responsible for your policy deductible. This is the standard licensed contractor model for insurance restoration work.
Not all homeowner policies pay out the same way. This distinction matters.
Your insurance company pays the depreciated value of the damaged materials — not what it costs to replace them new. You pay your deductible AND any depreciation holdback. Example: A roof that cost $12,000 new but depreciated to $7,000 — your carrier might pay $7,000 minus your deductible. You cover the gap.
Your insurance company pays to replace damaged materials with new equivalent materials. After the work is complete, the carrier releases any depreciation holdback (the "recoverable depreciation"). With RCV, your cost is your deductible only.
Not all contractors document storm damage the same way. A contractor who isn't familiar with the insurance claims process will simply give you a bid for what they see. They won't know what the carrier is likely to approve, what line items are commonly missed, or how to write a scope that matches your policy's coverage language.
Phase III reviews every carrier estimate against what we documented during your inspection. When scopes don't match — and they often don't — we file a supplement. A supplement is additional documentation submitted to your carrier requesting payment for covered items that weren't included in the initial estimate.
Supplements are a normal, legal, and widely accepted part of the insurance claims process. Every major carrier has a supplement review process. It is not a confrontation with your insurance company — it is standard practice for any contractor who knows what they're doing.
The difference between a $28,000 carrier estimate and a $135,000 supplement-approved scope is over $100,000 of legitimate, covered damage that an inexperienced contractor never documented. You don't pay the difference — your insurance does. But only if someone finds it and puts it in writing.
No. Phase III offers free storm damage inspections with no obligation. We'll walk your property, document what we find, and give you a straight answer about what you're looking at — whether or not you choose to work with us.
No upfront payment is required. We begin work after your claim has been approved by your carrier and you've received your initial payment. You pay your deductible at the time the work is completed — not before.
We can help you understand the denial and, in many cases, assist with documentation for an appeal. If your claim is denied and we believe the damage is legitimate and covered, we'll tell you what supporting evidence may help. If the denial is sound and the damage isn't covered, we'll tell you that honestly too — along with what your out-of-pocket options look like.
No. Under Michigan law, you have the right to choose your own licensed contractor for insurance restoration work. Your carrier may recommend or refer contractors, but you are not obligated to use them. You have the right to hire any licensed general contractor of your choosing.
For straightforward hail or wind damage claims, 60 to 90 days start to finish is typical — from initial inspection through completed repairs and final payment. More complex claims with interior damage or supplemental negotiations can run longer. We'll give you a realistic timeline after we've reviewed your scope.
A full exterior inspection: roof (field, ridge, valleys, flashing, vents, pipe boots), gutters, downspouts, siding, windows, soffit, and fascia. If interior damage is visible or suspected based on exterior findings, we note it and recommend you document any interior impacts before we meet with your adjuster.
Xactimate is the industry-standard estimating software used by insurance companies, independent adjusters, and restoration contractors across the country. When we document your damage in Xactimate, we're speaking the same language your carrier uses. That means there's no translation error between what we found and what your carrier will approve — and it makes supplements far easier to support when needed.
We file a supplement with supporting documentation — photos, measurements, material specs, and Xactimate line items that support the additional scope. Supplements are routine and accepted by all major carriers operating in Michigan. This is standard practice, not a dispute. In our experience, most initial carrier estimates require at least one supplement before the scope is fully captured.
Working With Your Carrier
Every insurance company handles storm claims differently. Select your carrier to see Phase III's carrier-specific claim guidance.
Schedule your free inspection today — we'll document everything and walk you through what your insurance should cover.
Get Your Free Inspection Or call us directly: (734) 237-7322Serving Homeowners Across Southeast Michigan