Major-loss fire restoration in Boca Grande, FL. $25K+ insurance scope. Pro GC deploys from Florida + local subcontractor partnership. (239) 989-2430.
Hurricane Ian (Sept 2022) outer-band wind + significant storm surge — bridge-only access island was cut off post-storm; Hurricane Milton (Oct 2024) wind + tidal surge; chronic salt-air corrosion year-round; barrier-island elevated humidity drives mold in vacant seasonal homes
Building stock: Ultra-luxury single-family on Gasparilla Island, historic 1920s Gasparilla Inn cottages, gulf-front estates with pile foundations, modern impact-rated coastal construction, golf-cart-community housing, second-home dominant
Carriers we document for: Tower Hill (dominant in Lee Co coastal), Citizens Property Insurance Coastal Account, Chubb Private Client, AIG Private Client, PURE Insurance, NFIP V/VE flood zones
For Boca Grande jobs that clear the $25K insurance major-loss threshold, Pro GC's fire damage restoration scope is the full-cycle deliverable — intake, mitigation, restoration, certificate — under one Florida-licensed GC. We've run this scope on Boca Grande Village and similar Boca Grande addresses through the Hurricane Ian 2022 cycle and the rebuild phases that followed. Typical scope elements: fire restoration, fire damage cleanup, fire damage repair, smoke damage restoration, smoke damage cleanup.
Tiny population but extreme per-job value ($2.81M Zillow ZHVI median); 90%+ second-home market; insurance-funded scope after Ian + Milton still active; bridge-access logistics premium
Hurricane Ian (2022 — outer eyewall, major surge), Hurricane Milton (2024), Hurricane Charley (2004 — eye crossed nearby), Hurricane Irma (2017)
Why this matters for your fire damage restoration claim: insurance carriers in Boca Grande are accustomed to documentation tied to these named events. Pro GC's intake protocol references the relevant storm in your claim file when the timeline supports it, which speeds adjuster approval and reduces the supplement cycle.
Pro GC's fire damage restoration crews working Boca Grande address the neighborhoods individually. Seawatch (ultra-luxury single-family on gasparilla island) reacts to wind and water load differently from North Boca Grande, and our scope reflects that. We've put hands on similar structures during the Hurricane Ian 2022 aftermath and know where the envelope tends to give up first.
Smoke residue category typing (wet/dry/protein) is where most Boca Grande fire damage restoration claims actually live or die. Tower Hill is the dominant carrier on this section of the coast, and they expect documentation tied to the specific named-storm timeline — not generic 'storm damage' line items. Pro GC's intake protocol references Hurricane Ian 2022 when the timeline supports it, attaches NOAA observation data for the closest reporting station, and breaks structural soot cleaning, smoke odor neutralization (ozone or hydroxyl), HVAC duct cleaning, contents pack-out, and full rebuild into the line-item structure Tower Hill adjusters actually pay against.
Florida licensing is a real factor on Boca Grande fire damage restoration jobs, and we don't paper over it. Florida Certified General Contractor (CGC), Florida licensed Mold Remediator (MRSR/MRSA), IICRC S500/S520 certified, EPA Lead-Safe RRP. We coordinate with Florida Department of Business and Professional Regulation (DBPR) and pull permits through the locally-licensed partner who carries the permit-of-record on each job. The Florida Building Code 2023 wind-zone requirements (impact-rated glazing or shuttering) adds a layer most non-coastal restoration brands aren't tooled for; we are.
Most Boca Grande fire damage restoration re-do calls trace to one root cause: skipping ozone treatment and getting called back for residual smoke odor 60 days later. Pro GC's scope discipline (IICRC S700/S800) eliminates that failure mode at the diagnosis stage. Our Boca Grande books carry referrals from Tower Hill adjusters who've watched our supplement requests stay tight and our certificates of completion match the original scope.
Hurricane Ian — September 28, 2022. Cat 4 at landfall (Cayo Costa, ~12 miles south), 150 mph sustained / 155 mph gusts at landfall, surge of 10-15 ft on Gasparilla Island's gulf side. the Port Boca Grande NOAA tide gauge recorded a peak water level of 6.6 ft above MLLW before the gauge failed. Outer eyewall passed directly over the island; the Boca Grande Causeway was structurally compromised and bridge access was suspended for 12 days, isolating residents and contractors alike.
Pro GC's fire damage restoration protocol for Boca Grande draws directly on the post-Ian project sequence: HVAC duct cleaning, smoke odor neutralization (ozone or hydroxyl), contents pack-out + cleaning, and full structural rebuild. The the Port Boca Grande NOAA tide gauge recorded a peak water level of 6.6 ft above MLLW before the gauge failed-style timeline documentation gets attached to the fire-cause investigation report when the ignition traces to storm-related electrical failure.
Hurricane Ian — September 28, 2022. Ian's eye crossed Cayo Costa, the barrier island immediately south of Gasparilla Island, sending the eastern eyewall and the worst storm surge directly across Boca Grande. In Boca Grande, the Boca Grande Causeway took shoulder damage on both sides that forced narrow-lane single-direction crossings for weeks; the cell tower on Gasparilla Island was destroyed; First Baptist Church of Boca Grande sustained roof damage. Lee County DOT and partner agencies coordinated a hurricane-tag pass system before residents and home-watch contractors could return to the island. Condominiums along the causeway-adjacent stretch of boca grande north showed visible damage in the days after, and gasparilla island lost power for an extended period.
For Pro GC's fire-damage-restoration scope, the indirect tie matters: extended post-storm power-out windows force generator runtime in confined spaces and produce electrical-fault-driven structure fires for weeks after the wind quits. Our smoke-residue cleanup and structural-deodorization protocols are the same whether the ignition source was a downed line, a generator-fed circuit, or an unrelated kitchen incident — but the post-storm pattern is real.
Local coverage from the Boca Beacon and federal DHS post-storm imagery documented the impact summarized above. Sources consulted include the Boca Beacon and federal/state post-storm assessments.
Fire damage and hurricane damage are connected in ways insurance adjusters often miss. The extended power-out windows that follow named storms force generator runtime in confined spaces (carbon monoxide + fuel-spill risk), and as power restoration crews re-energize damaged circuits, electrical-fault structure fires spike across the storm-impact zone for 2-4 weeks after the wind quits. Pro GC's protocol on post-storm fire calls treats the cause-of-loss as a separate diagnostic exercise from the visible fire scope — was this a pre-existing wiring fault, a generator-related ignition, or a re-energization fault on a storm-damaged circuit?
The cause-of-loss documentation matters for the claim. Generator-caused fires are usually covered under wind/storm peril (the generator was a necessary response to the covered event). Pre-existing wiring fault fires may not be, depending on the carrier. Pro GC files a separated cause-of-loss documentation set so the carrier can adjudicate cleanly, and the standard fire scope — structural cleanup, smoke residue removal across the affected envelope, content pack-out and ozone or hydroxyl deodorization, HVAC duct cleaning, and full structural deodorization — runs in parallel.
If you're reading this BEFORE a storm — not after — Pro GC publishes a complete preparation guide for Boca Grande: county evacuation zones, local shelters, hardware-store sources, supplies checklist, the moment-by-moment timeline, FEMA aid info, and what to do if your insurance carrier fights your claim. It's free, no signup, no affiliate links.
Wait for the fire department to clear the structure as safe to enter. Do NOT enter to retrieve belongings until that clearance. Contact your insurance carrier to start the claim. Call Pro GC at (239) 989-2430 — we provide 24/7 emergency board-up, secure the structure from theft and weather, and begin damage assessment for your adjuster.
Cost in Boca Grande skews higher than inland averages — coastal-access logistics, Tower Hill carrier-grade documentation, and the post-Hurricane Ian supplement environment all factor in. Pro GC bills in Xactimate against carrier-approved unit rates, not lump-sum. Costs range from $5,000 for limited smoke damage in one room to $100,000+ for substantial structural fire damage. Average residential scopes run $15,000–$50,000 for moderate fire + smoke + water (from suppression) damage. Insurance typically covers actual cash value or replacement cost less your deductible — Pro GC bills carriers directly.
Timeline varies by scope. Smoke-only cleanup: 5–14 days. Moderate fire damage with structural work: 4–8 weeks. Major structural rebuild after significant fire: 3–9 months. Pro GC provides a written timeline at the start and updates weekly. Most insurance policies cover Additional Living Expenses (ALE) during the work.
Yes — fire is one of the most universally covered perils on every standard homeowners policy (HO-3, HO-5, HO-6 for condos). Coverage usually includes structural damage, contents loss, smoke damage, water damage from suppression efforts, and ALE for living expenses while the home is uninhabitable. Pro GC documents the claim to maximize covered scope.
Most fire-damaged homes can be restored unless the structural framing is compromised beyond economic repair. Pro GC's assessment determines what can be cleaned and what must be removed. Even severe fires often leave structural elements that can be saved with proper restoration.
Smoke odor removal requires several steps: removing all charred materials, HEPA cleaning of all surfaces, thermal fogging or hydroxyl/ozone treatment for porous materials, sealing of surfaces that retain odor (with primer-sealer), HVAC duct cleaning, and replacement of any salvageable porous items that still smell after treatment (carpet, insulation, drywall). Pro GC uses both thermal fogging and hydroxyl generation when needed.
For limited smoke damage, most homeowners can stay. For moderate-to-major fire damage, temporary relocation is required for safety (structural, electrical, air quality) and to allow restoration access. ALE coverage on your policy pays for hotels, rental homes, and meals — Pro GC helps document the ALE claim.
Contents pack-out is the systematic removal of household goods (furniture, clothing, electronics, personal items) for off-site cleaning, deodorization, and storage during structural restoration. Pro GC documents every item, photographs damage, and tracks restoration vs. total-loss status — necessary for both restoration completion and contents claim settlement.
Yes — Boca Grande is a regular Pro GC service area for major-loss insurance restoration. We work the Gasparilla Inn Historic District, Hill Tide Estates, Boca Bay, and Seawatch and understand the bridge-access logistics, high-value carrier documentation, and historic-district materials Boca Grande projects require.
Gasparilla Island is bridge-access only — material staging, crew commute, and post-storm causeway-closure planning all factor into our project schedule. Pro GC includes bridge-access logistics in Boca Grande quotes and plans around scheduled bridge maintenance windows.
Yes — Boca Grande took Ian's outer eyewall surge in 2022 and Milton wind + tidal surge in 2024. Pro GC has worked on Ian-era rebuilds across the island and continues active scope from Milton 2024 damage.
Yes — Pro GC bills Chubb Private Client, AIG Private Client Group, PURE, Cincinnati Financial Private, Tower Hill, and Citizens Coastal Account directly. Boca Grande's ultra-premium carrier mix demands more detailed documentation than standard carriers; our protocols meet those standards.
Yes — the Gasparilla Inn Historic District requires period-appropriate materials and sometimes historic preservation review for exterior work. Pro GC handles the documentation, period-appropriate material specification, and color review when required.
90%+ of Boca Grande residential inventory is second-home. Pro GC documents work with owner-portal photo updates, coordinates with property managers, and provides absentee-owner-friendly approval workflows for change orders and scope decisions.
Pro GC serves the Boca Grande zip code 33921 across Gasparilla Island, including Lee County and Charlotte County portions of the island.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
Open 24/7 · Emergency Dispatch