Tree Fell on House • Structural Repair • Insurance Claim Help — 24/7 Response
A tree through your roof is one of the most disorienting damage events a homeowner can face. Phase III Construction responds with emergency tarping, full structural assessment, and complete insurance claim advocacy — from the first call through final walkthrough.
A tree impact damages multiple systems simultaneously. We assess and restore all of it under one license and one claim.
Yes -- when a tree hits a covered structure (your home, garage, fence, or other insured structure), most Michigan homeowners policies cover the cost of removing the tree from on top of and immediately adjacent to the structure. This is separate from cleanup of a tree that fell in your yard without hitting anything, which may have a lower sub-limit or be excluded.
Phase III coordinates tree removal as part of your claim. We work with licensed, insured tree crews to get the debris off your structure safely -- then we photograph the full damage underneath before any framing or roofing work begins. The removal cost is documented and submitted to your carrier as part of the total claim scope.
Important: Do not have the tree removed by an independent crew before your adjuster sees the damage. Phase III will document the full impact zone first -- then coordinate safe, insured removal as part of the claim. Premature removal destroys the evidence your claim depends on.
From the emergency call through final inspection — we handle everything so you don't have to navigate it alone.
We deploy tarps and weather protection within hours to stop active water infiltration through the breach point. We document the damage in place before the tree is removed -- this documentation protects your claim and cannot be recreated after the fact.
Every tree impact is a structural event. Our team inspects roof framing, load-bearing elements, and all systems affected by the impact -- not just what's visible from the ground. We photograph everything before cleanup begins and coordinate engineering review when the scope requires it.
We build a complete Xactimate scope covering every damaged system and attend the adjuster inspection on your behalf. Tree claims can involve complex structural and interior scopes that adjusters narrow. We fight for the full repair cost -- not the minimum the carrier wants to pay.
Michigan Builders License #262000615 means we handle the entire rebuild under one contract -- structural framing through interior finish. No hand-offs between multiple contractors, no scope gaps, no delays from coordination failures. One company responsible for everything.
A tree through a roof typically damages multiple systems simultaneously -- sheathing, rafters, insulation, interior ceiling, possibly electrical and HVAC. Insurance adjusters often scope these events narrowly, covering the obvious breach point while missing cascading structural and water damage.
Phase III builds a complete damage picture before your adjuster arrives. We document the full impact zone, identify all affected systems, and present a Xactimate scope the carrier cannot easily dispute. We have handled tree damage claims involving everything from a single branch through a garage to near-total structural loss.
The September 3, 2026 storm brought 66 MPH winds across Oakland and Wayne Counties, downing trees across SE Michigan. If a tree came down on your property, act quickly -- open exposure deteriorates fast and delays complicate claims.
Tree damage requires a contractor who can manage structural assessment, restoration, and insurance advocacy simultaneously. That is Phase III.
We are a locally owned Michigan company based in Westland. We know the Wayne and Oakland County building departments, the local adjusters, and what structural repair standards will pass inspection. When a tree comes down on your home, you want a contractor who has handled this exact scenario dozens of times.
Michigan Builders License #262000615 authorizes us to repair or rebuild structural framing, pull permits, and manage every trade from framing through finish. We do not subcontract structural work to a separate company and hope the scopes align. One company owns the entire repair from emergency tarping through final inspection.
Tree damage insurance claims require documentation before, during, and after debris removal. Phase III photographs and documents every damage point in the correct sequence so the claim record is unimpeachable. We challenge underpaid scopes and supplement claims that miss hidden structural or water damage. Over $10 million recovered for SE Michigan homeowners.
Tree Down? Call Immediately.
24/7 emergency response. Emergency tarping deployed within hours. We fight your claim so you don’t have to.
☎ (734) 237-7322Upload your adjuster's scope or settlement offer. We identify missed structural and interior items, underpaid categories, and supplement opportunities before you sign.
Tell us what happened and we will assess the structural and insurance scope at no cost. No obligation.