Supreme Restorations LLC
Supreme Restorations project manager standing on a Maryland residential roof with a tablet and clipboard, photographing hail bruising on architectural shingles for a written insurance claim scope
Roof Insurance Claim Inspection · Palm Beach Gardens, FL

Roof Insurance Claim Inspection in Palm Beach Gardens, FL

We Inspect. We Document. You File. We Repair.

A complete inspection with date-stamped photos and exact tile matching specs your carrier can act on. Free, no obligation, no AOB.

Local Context, Palm Beach Gardens

Documentation Built for Complex Rooflines and Carrier Review.

An insurance claim inspection on a Palm Beach Gardens roof is not a look from the driveway.

The gated communities around Old Palm, BallenIsles, Mirasol, and PGA National carry multi-gable rooflines where every dormer, hip transition, and turret detail needs individual examination, because damage at a single transition point is invisible from the ground and a curbside scope gets underpaid. We walk every plane, chalk-test hail on premium concrete and clay tile, record wind uplift by location and failure mode, and document the exact tile manufacturer, profile, and color so the carrier approves a scope that produces a matching finished roof rather than a patchwork. That material-matching gap is the most common source of dispute on Gardens premium tile claims. Our written scopes meet the documentation standards Citizens, Universal, State Farm, Allstate, and Nationwide use across Palm Beach County, and for HOA-governed properties the same report can be formatted for architectural review submissions.

We do not adjust, negotiate, settle, or value claims. Florida law reserves that for licensed public adjusters, and our restraint is a quality indicator, not a weakness. The inspection is free, the report is yours, and no AOB document is ever required. Hurricane Irma in 2017, Hurricane Ian in 2022, and Tropical Storm Nicole in 2022 each worked over Gardens rooflines, and scopes tied to that event history read more credibly under adjuster review. Call (561) 917-5288.

ServingPGA NationalBallenIslesMirasolFrenchman's CreekOld PalmEvergrene
On the Ground in Palm Beach Gardens

What You Get on Every Palm Beach Gardens Job

  • Exact tile manufacturer, profile, and color specs in every report

  • Reports formatted for both carrier review and HOA architectural submissions

  • 90-180 minute inspections on complex multi-gable rooflines

Why It Matters

A Written Scope Beats A Phone Call Every Time.

Most denied roof claims are not denied because the damage was not real.

They are denied because the homeowner described the damage over the phone, the carrier sent an adjuster who saw a roof from the driveway, and the claim closed before anyone walked the shingles. Our inspection produces what a phone call cannot. Close-up photos of every hail impact and every wind-lifted shingle, a measured count of damaged squares, and a written line-item repair scope in the language carriers expect. You hand that document to your carrier when you file. The claim moves on facts, not on guesswork. Call (443) 826-3739 to schedule yours.

Our Process. Four Steps. Clear Boundaries.

  1. Step 01

    Inspection

    A Supreme project manager walks the roof. We photograph every shingle impact, every lifted tab, every torn pipe boot. We measure damaged squares. We check the soft metals (AC fins, gutter aprons, downspouts) for matching impact patterns that corroborate the storm.

  2. Step 02

    Written Scope

    Within 48 hours you receive a written repair scope. Photo-documented damage, measured square footage, materials list, and the repair line items as a contractor would price them. The document is yours. Hand it to your carrier when you file.

  3. Step 03

    You File The Claim

    You call your insurance carrier and open the claim yourself. We are not on the call. We do not negotiate or settle with the adjuster. That is what licensed public adjusters are for. If your carrier asks technical questions about the repair scope, we are available to clarify by phone, in writing.

  4. Step 04

    We Repair What You Authorize

    Once your claim resolves, we install the repair you authorize. Roof, siding, gutters, soft metals. Whatever your carrier covered and you chose to have us replace. Standard residential projects wrap in 1-3 days on-site.

What The Written Scope Includes.

  • Date, time, and weather conditions of the inspection
  • Photo set: every hail impact, every wind-lifted shingle, every damaged flashing or pipe boot, with timestamps
  • Measured roof dimensions, squares of damage, slope and pitch notes
  • Line-item repair scope in carrier-compatible language (shingle type, underlayment, drip edge, ridge cap, ice-and-water shield where applicable)
  • Soft-metals damage corroboration (AC condenser fins, gutter aprons, downspouts). Supports the storm narrative
  • Notes on code-required upgrades for your jurisdiction (e.g., synthetic underlayment in FL; ice-and-water shield in MD)
  • No pricing on the homeowner-facing document. Pricing lives in the separate estimate you receive after authorizing the repair
Why It Matters

What We Do. And What We Cannot Do.

Supreme Restorations is a licensed roofing contractor, not a public adjuster.

We inspect, photograph, measure, and provide a written scope of repair. We perform the repair work you authorize after your claim resolves. We do not adjust, negotiate, settle, value, or maximize insurance claims on your behalf. We do not accept an Assignment of Benefits. We do not waive, absorb, rebate, or pay any portion of your deductible. Those activities are reserved for licensed public adjusters and attorneys under state law. If you need claim representation, hire a licensed public adjuster. We work with whoever you choose.

Questions + Answers

Roof Insurance Claim Inspection Questions, Palm Beach Gardens Edition.

Every question homeowners ask before letting a contractor near their roof or their insurance policy. Don't see yours? Call us. We'll give you a straight answer in two minutes.

Still Have Questions?

Talk to a project manager, not a call-center. We follow up quickly.

Get Free InspectionCall (561) 917-5288

Is the roof insurance claim inspection actually free in Palm Beach Gardens?

Yes. No cost, no fine print, no requirement to file a claim or hire us for any work, and no AOB document required. On upscale Gardens properties where the inspection takes longer because of the number of distinct roof planes, the cost is still zero. Call (561) 917-5288 to schedule.

Do you negotiate with the insurance company for me?

No, and no licensed Florida roofing contractor legally can. Only a licensed public adjuster can negotiate, settle, or value a claim on your behalf, and any roofer advertising claim negotiation or asking you to sign an AOB is operating outside their license. What we do is the part a roofing contractor is qualified to do: inspect completely to FBC and HVHZ standards, document thoroughly including precise material matching specs, and produce a written scope your carrier can act on. If your situation needs claim advocacy, we can refer licensed public adjusters in Palm Beach County.

How long does a roof insurance claim inspection take in Palm Beach Gardens?

Upscale properties with complex multi-gable rooflines and premium tile typically run 90 to 180 minutes on-site, because every distinct roof plane gets individual examination and the tile specifications get documented for matching. Standard residential properties run 60 to 120 minutes. The full written report, with photos organized by roof plane, is delivered within a few business days.

Should I file an insurance claim before or after the inspection?

Usually inspection first. On Gardens premium tile properties specifically, filing before you have exact material matching specifications documented often produces a carrier scope that ignores the sourcing premium tile replacement actually requires. That said, most Florida policies require prompt reporting, so if you already see obvious damage, report the loss and then schedule the inspection.

Do you accept Assignment of Benefits (AOB) in Florida?

No, in any form. You remain the insured party throughout the process. We work on your authorization, insurance proceeds go to you, and you pay us under our contract with you. Any contractor advertising direct insurance billing or asking you to sign your claim over has been part of the pattern Florida law was tightened to stop, and should be approached with extreme caution.

When should I get an inspection after a storm?

Within 30 days of the storm event for any visible damage, and within 90 days if your neighbors filed claims even if you have not noticed anything from the ground. Hail bruising lets water track under the shingles for months before a ceiling stain shows up. By then your filing window is often closing and the carrier reclassifies the damage as wear-and-tear, which is not covered.

Can you document hail damage that is not visible from the ground?

Yes. That is the entire point of the inspection. Hailstones larger than a dime bruise the asphalt mat under the granules without lifting the granule layer. The shingle looks fine from the driveway, but the impact compresses the mat so it sheds granules over the next 12-18 months and water tracks under the lap. We photograph every impact at close range, measure the square footage, and the written scope documents what is invisible from the ground.

Do I get the written scope to keep, or do you send it directly to my carrier?

The written scope is yours. We send it to you. You decide whether to file a claim and which document to hand the carrier. We are not on the call with your insurance company unless you specifically ask us to clarify a technical question in writing, and you can share the report with any contractor you choose.

Are you a public adjuster?

No. We are a licensed roofing contractor (MHIC #146204 in Maryland; licensed and active in Florida). Public adjusters are licensed insurance professionals who negotiate and settle claims on a homeowner's behalf. That is a different license and a different scope of work. If you need someone to negotiate with your carrier, hire a licensed public adjuster. We will install the repair regardless of who advocates for the claim.

Will you handle my deductible or waive it?

No. Waiving, rebating, absorbing, or paying any portion of your deductible is insurance fraud in every state we operate in, and a felony in Florida specifically. Any contractor who offers to do that is offering to commit a felony with you. We do not. Your deductible is what you pay; the insurance covers the rest of the qualifying repair.

How long is the inspection? Do I need to be home?

A typical inspection runs 45-90 minutes depending on roof size and complexity, longer on multi-plane or tile roofs. Ideally an adult is home so we can walk through the findings with you and answer questions in person, but if your schedule is tight we can inspect, photograph, and email the written scope the same day.

What does an inspection cost?

The inspection is free. No upfront cost, no hidden fee, no deposit, and no commitment to use Supreme Restorations for the repair if your claim is approved. The written report and repair scope are free as well, and you keep both either way, even if you hire a different contractor or decide to do nothing at all.
Storm Claim Window

Florida Caps Storm Claims at 1 Year. The Clock Started The Day The Storm Hit.

Post-2022 Florida policies cap new storm claims at 1 year from the date of loss (18 months for supplements on existing claims). Hail bruising and lifted shingles let water into the underlayment for months before you ever see a ceiling stain. By the time the leak shows, your filing window is often closing, and the carrier reclassifies the damage as wear-and-tear, which is not covered. A free inspection now is the difference between a claim-funded replacement and an out-of-pocket rebuild later.

Get My Free InspectionCall (561) 917-5288

Free inspection · No obligation either way

Related Services

You Might Also Need.

Aerial view of a Maryland home fully restored by Supreme Restorations after a storm insurance claim
Free · No Obligation · Claim-Ready Documentation

Ready for Roof Insurance Claim Inspection in Palm Beach Gardens?

Free inspection. No obligation. Serving Palm Beach Gardens and surrounding Palm Beach County.

Schedule Free InspectionCall (561) 917-5288
  • ★ 4.8 · 200+ reviews
  • BBB A Accredited
  • MD Lic #146204
Free InspectionCall Now