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 · Royal Palm Beach, FL

Roof Insurance Claim Inspection in Royal Palm Beach, FL

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

Free, complete physical roof inspection. Date-stamped photos. Written scope of repair your Florida carrier can act on. No AOB. No obligation.

Local Context, Royal Palm Beach

Florida Claims Need Documentation, Not Negotiation.

Hurricane, tropical-system, and hail damage in Royal Palm Beach often shows visible signs within hours, but the damage that drives most claim payouts is invisible from the ground.

On the concrete tile common across Royal Palm Beach's planned communities, hurricane wind lifts tile from mortar beds and displaces ridge and hip caps while leaving the field looking intact from below, and hail cracks profiles that look fine from the driveway. On architectural shingle, hail removes granular protection. On metal accessories, compromised coatings degrade in South Florida's year-round humidity. The 1970s-through-1990s pre-code tile systems here carry fastening that may not meet current standards, which makes precise documentation essential. Our inspection produces what a phone call cannot: close-up photos of every impact, individual tile and cap documentation, measured square footage, soft-metal corroboration, and a written line-item scope of repair in language Palm Beach County adjusters recognize.

The scope is yours. You decide whether to file. We perform the repair you authorize after your carrier resolves the claim. We do not adjust, negotiate, settle, value, or maximize claims on your behalf. Those activities require a licensed Florida public adjuster, and Florida law prohibits a roofing contractor from doing them. We do not accept an assignment of benefits in any form, and we never waive deductibles. The inspection report is yours. Call (561) 917-5288.

ServingMadison GreenLa ManchaWillowsCrestwoodRoyal Palm Beach Commons
On the Ground in Royal Palm Beach

What You Get on Every Royal Palm Beach Job

  • Free 60-120 minute inspection, written report within a few business days

  • Pre-code concrete tile fastening and displacement documented for claims

  • Soft-metal corroboration supports the storm event date

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, Royal Palm 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 (443) 826-3739

How do you document concrete tile damage for a Royal Palm Beach claim?

Individually, with attention to fastening. Many 1970s-90s systems here predate wind code, so we document each cracked or displaced tile and map displacement across the whole field, since pre-code fastening fails in clusters. That's what a carrier needs.

Does inland Royal Palm Beach really get hurricane claims?

Yes. For storms tracking north through the county, inland wind speeds often match the coast, and Irma and Ian both hit. The flat terrain also pools water that finds entry points. We document it tied to the storm date.

Can I still file a claim for a past Royal Palm Beach storm?

Often yes. Displaced tile from Irma or Ian can look fine from the ground while water works beneath. Florida's window is one year from the loss, and policies require prompt reporting, so don't wait. Call (561) 917-5288.

Why don't you accept Assignment of Benefits or waive deductibles in Florida?

Florida law prohibits both for a roofing contractor, and waiving a deductible is a third-degree felony. We don't negotiate claims either, only document them. Any Royal Palm contractor offering to cover your deductible is breaking the law.

Is the inspection free, and am I obligated to file a claim or hire you?

Free, and Florida law bars making it conditional on filing a claim. No cost, no requirement to hire us, no deductible waivers. The report is yours. Many Royal Palm owners just want their concrete tile assessed. Call (561) 917-5288.

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.

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. 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 commitment to use Supreme for the repair if your claim is approved. You keep the written scope either way.
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 · Insurance Claim Handled

Ready for Roof Insurance Claim Inspection in Royal Palm Beach?

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

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