Storm Damage - SE Michigan - 33 Years Experience
Have a USAA homeowner policy and storm, wind, or tornado damage in Michigan? Phase III documents every line item, works directly with your USAA 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 USAA homeowner policies in Michigan -- documented to Xactimate standards the way USAA USAA staff adjusters and independent 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 USAA 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 USAA USAA staff adjusters and independent adjusters expect -- line item by line item, code references included.
Phase III works directly with your USAA 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.
USAA Claim Reference
File through the USAA mobile app or call 1-800-531-8722. Request a full property inspection. Consider having Phase III present during the adjuster visit.
USAA uses Xactimate to estimate storm damage. Phase III generates estimates formatted to align with USAA's methodology -- no translation required.
Your USAA policy deductible applies to storm and wind damage claims. Phase III can walk you through how deductibles apply to your specific USAA policy.
USAA offers a preferred contractor network, but Michigan law gives military members and veterans the right to choose their own licensed contractor. You are never required to use a USAA-preferred 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 USAA?
Document damage immediately with photos and video. File your claim through the USAA app or call 1-800-531-8722. Phase III works with USAA frequently and can be present during the adjuster visit to ensure all damage is captured.
Does USAA cover wind and storm damage in Michigan?
Standard USAA homeowner policies cover wind storm damage, tornado damage, and associated structural losses. USAA is known for responsive claims service. Phase III documents to Xactimate standards to support your full recovery.
Do I have to use a USAA preferred contractor in Michigan?
USAA offers a preferred contractor network, but Michigan law gives military members and veterans the right to choose their own licensed contractor. You are never required to use a USAA-preferred contractor.
How does USAA handle supplemental storm claims?
USAA reviews supplements through their claims team. Phase III prepares documented supplements with Xactimate line items and submits directly to your USAA adjuster.
What if USAA 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 USAA 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.