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 · Riviera Beach, FL

Roof Insurance Claim Inspection in Riviera Beach, FL

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

Date-stamped photos, carrier-format measurements, and the coastal exposure context Riviera Beach claims need. Free, no obligation, no AOB.

Local Context, Riviera Beach

Claim Documentation That Reflects Maximum Coastal Exposure.

The difference between a well-evaluated Riviera Beach claim and a disputed one is usually exposure context.

Singer Island sits at the highest wind exposure category in Palm Beach County, and the Port of Palm Beach corridor combines Atlantic, Intracoastal, and working-waterfront salt air into some of the most aggressive metal corrosion conditions in the county. An inspection report built on standard coastal assumptions understates what these roofs actually face, and the carrier scopes accordingly. We walk every plane, give windward Atlantic-facing elevations specific additional examination, stage-check every metal component for multi-source salt air corrosion, assess storm surge secondary moisture on barrier island and waterfront properties, and deliver a written scope with date-stamped photos and measurements in the format Citizens, Universal, State Farm, Allstate, and Nationwide adjusters work with, exposure category included.

We can walk the adjuster through the findings on-site. We do not adjust, negotiate, settle, or value claims. Florida law reserves that for licensed public adjusters, and our restraint is a quality indicator. The inspection is free, the report is yours, no claim filing is required, and no AOB document is ever presented. Hurricane Irma in 2017, Hurricane Ian in 2022, and Tropical Storm Nicole in 2022 each tested this coastline at full exposure, and claim documentation tied to that event history holds up better under carrier review. Call (561) 917-5288.

ServingSinger IslandOcean BreezeRiviera Beach HeightsWest Riviera BeachPort of Palm Beach corridorBlue Heron Boulevard corridor
On the Ground in Riviera Beach

What You Get on Every Riviera Beach Job

  • Elevated wind exposure category documented explicitly in every written scope

  • Multi-source salt air corrosion staging on every metal component

  • Storm surge secondary damage assessment on Singer Island and waterfront properties

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, Riviera Beach 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 Riviera Beach?

Yes. No cost, no fine print, no conditions, no requirement to file a claim or hire us for any subsequent work, and no AOB document required at any stage. On Singer Island and other high-exposure properties where additional wind and salt-air documentation context is included, 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. What we do is the part a roofing contractor is qualified to do: inspect completely to FBC and HVHZ standards, document thoroughly including the elevated exposure context, 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 Riviera Beach?

Typically 60 to 120 minutes on-site for a standard residential roof. Singer Island and other maximum-exposure properties run slightly longer because windward elevation analysis and metal component corrosion staging are included in the documentation. The full written report, with photos organized by roof plane and exposure context included, is delivered within a few business days.

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

Usually inspection first. On Riviera Beach's high-exposure properties specifically, filing without a report that documents the elevated wind and salt air context tends to produce a carrier scope built on standard coastal assumptions that underestimates the actual restoration requirements. 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 transfer your benefits 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

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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 Riviera Beach?

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

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