Our Work
Recent hurricane & storm damage projects.
When a named storm hits SWFL, the first 72 hours are board-up, tarp, and water mitigation. The next 6 months are insurance documentation, mold prevention, and rebuild. We handle all of it — Ian-tested, IICRC certified, two SWFL offices for fast dispatch.
Hurricane work is a sequence: secure, mitigate, dry, document, remediate, rebuild. Skip a step and your insurance claim suffers or mold takes over. We run the full sequence and document every step the way adjusters want it.
Bonita Springs took heavy surge from Ian along Bonita Beach Road and Hickory Boulevard. Inland Bonita Bay developments saw more wind damage than surge, with significant roof tile loss across the community. Our Bonita HQ means we were dispatching from inside the storm zone — not driving in from out of county after the fact.
Our Bonita Springs crew works across the full city — from Riverside Park, Bonita Beach Park, Everglades Wonder Gardens, Bonita Springs YMCA, Promenade at Bonita Bay, Coconut Point (Estero border) — and we're familiar with how hurricane / storm damage scope changes between Bonita Bay and Pelican Landing.
Bonita Springs disaster history: Hurricane Ian (2022), Hurricane Irma (2017), Tropical Storm Eta (2020). We were on the ground in this city for each event and know the local permitting + insurance landscape.
Bonita Springs has taken three major storms in eight years: Irma in September 2017, Tropical Storm Eta in November 2020, and Hurricane Ian in September 2022. Ian pushed a six-to-nine-foot surge through Estero Bay, up the Imperial River, and into the Bonita Beach Park corridor — flooding homes that had never seen water in 40 years. The first 72 hours after landfall decide whether a Bonita Springs claim pays in full or gets watered down by ongoing damage that should have been mitigated at hour six. Half this city is owned by people who are not here when the storm hits. That changes the response posture entirely.
We pre-stage shrink-wrap, 6-mil reinforced tarps, 5/8-inch CDX board-up panels, and ratchet straps at the Bonita Springs office before any named storm enters the Gulf cone. Once wind drops below safe-work threshold, dispatch runs by structural-risk severity, not call order — a peeled roof in Imperial Shores gets covered before a broken lanai screen in Pelican Landing, regardless of who called first. We document pre-existing roof condition with drone photography before the tarp goes on, because the adjuster will ask, and the answer needs to be in the file before the rebuild conversation starts.
A Bonita Beach home with surge intrusion is a different first 24 hours than a Bonita Farms inland home with roof-only damage. Surge from Estero Bay carries brackish water, septic load, marine sediment, and substrate contamination — Category 3 by default under IICRC standards. We cut drywall to a documented inspection height (typically 24 inches above the marked high-water line, photo-logged on every stud bay), pull all saturated insulation, and stand up dehumidification before mold pressure can build. Inland homes typically get a dry-out plus targeted roof and soffit repair. Running the same scope on both gets the claim kicked back; the carriers do not pay for the same scope on both.
Absentee-owner homes in Bonita Bay, Spanish Wells, Hawthorne, and Worthington need a complete documentation package shipped to the owner before they fly in. After a federally declared disaster, a Bonita Springs homeowner may have a Citizens HO-3 claim, an NFIP flood claim, and a FEMA Individual Assistance application running at once. We produce a single damage assessment packet — geotagged photos, room-by-room moisture logs, depth-of-flood markers tied to FEMA Flood Zone designation (AE, VE, or X for most of the city), and an Xactimate-compatible scope — that satisfies all three filings. That same package gets submitted to NFIP's Proof of Loss within the 60-day deadline so the file does not stall.
The crew that ran Bonita Springs through Ian still runs Bonita Springs. We know which streets in Bonita Beach Park flooded that nobody expected to, which HOA boards require permit copies before any structural work begins, and which carriers will fight the supplemental claim 18 months later. When the next cone forms in the Caribbean, dispatch from the Bonita office is already rolling before the storm crosses Cuba. That is the only response posture that protects a homeowner here.
First 48 hours: roof tarp, window board-up, debris removal, water mitigation start. Property secured against rain and intrusion.
Structural drying, moisture mapping, daily photo logs, equipment counts, content inventory. Everything an insurance adjuster needs.
Roof, drywall, paint, stucco, flooring, fixtures. Hurricane-code compliant rebuilds. Same crew that mitigated does the rebuild.
For Bonita Springs homeowners, the answer depends on the specific scope — call us at (239) 989-2430 for a same-day estimate. Our Bonita Springs hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Bonita Springs homeowners, the answer depends on the specific scope — call us at (239) 989-2430 for a same-day estimate. Our Bonita Springs hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Bonita Springs homeowners, the answer depends on the specific scope — call us at (239) 989-2430 for a same-day estimate. Our Bonita Springs hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Bonita Springs homeowners, the answer depends on the specific scope — call us at (239) 989-2430 for a same-day estimate. Our Bonita Springs hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Bonita Springs homeowners, the answer depends on the specific scope — call us at (239) 989-2430 for a same-day estimate. Our Bonita Springs hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
Our Bonita Springs hurricane / storm damage crew dispatches across the full city — from Bonita Bay, Pelican Landing, Hawthorne, Spanish Wells, Bonita Beach, San Carlos Park (south), Riverwood, Imperial Shores, Bonita Farms, Bonita National, covering ZIP codes 34134, 34135. Storm damage scope varies street by street in Bonita Springs — our local crew knows which neighborhoods need which response first.
Bonita Springs insurance carriers we work with: Citizens Property, NFIP flood claims, HOA carriers for Bonita Bay / Pelican Landing. We bill direct on most claims and document to adjuster standards from the first call.
Same crew, same standards — we cover the surrounding cities too:
Triage. After Ian (2022) we ran 18-hour days emergency-tarping roofs from Bonita Bay to West Terry Street and boarding up failed openings. The first 48 hours focus on stopping further damage: 6-mil shrink-wrap on compromised roofs, plywood over breached windows and sliders, sandbagging or pumping standing water if it is below the 4-foot mark, and shutting off utilities to flooded structures. We document everything with geo-tagged 4K video so the Citizens, NFIP, or Tower Hill adjuster has time-stamped proof of pre-existing damage versus secondary deterioration. Mold starts in 48-72 hours in our climate, so this window also drives the early water-mitigation decisions.
NFIP flood claims for absentee owners are paperwork-heavy but manageable. Within 60 days of the loss you have to file a sworn Proof of Loss with FEMA's Write-Your-Own carrier (Wright, Hartford, etc.), and the adjuster will inspect the elevated portions plus the substructure separately. Bonita Bay and Pelican Landing properties often qualify for ICC (Increased Cost of Compliance) coverage up to $30,000 if Lee County deems the substantial-damage threshold met. We provide elevation certificates, depth-of-flood photos, and Xactimate flood scope split from wind scope so the wind claim with Citizens and the flood claim with NFIP each get the right line items.
It is the foundational distinction that determines who pays. Surge is rising water from Estero Bay and is excluded from every standard homeowners policy in Florida; it goes on NFIP flood. Wind damage and wind-driven rain through a wind-created opening go on your HO-3 with Citizens, Florida Peninsula, or Tower Hill. The high-water line on interior drywall is the documentary anchor, and we photograph it on every wall before any demo. After Ian we saw single homes off Bonita Beach Road with a 4-foot waterline (flood) and a missing roof (wind) requiring two coordinated but separate Xactimate scopes and two separate proofs of loss. Get this split right or your claim sits.
Yes, emergency mitigation costs are part of the covered loss and apply against your hurricane deductible (typically 2-5% of dwelling coverage A in Florida) before the carrier owes anything above that deductible. Practically, that means a $15,000 board-up and tarp job on a $600,000 home with a 2% deductible ($12,000) leaves only $3,000 mitigation reimbursement coming back from Citizens. We do not let that surprise you; we provide a written estimate before mobilization and itemize each tarp square, each sheet of plywood, and labor hours in Xactimate codes (TAR EM, BD plywood) so the adjuster cannot challenge the scope.
If Lee County's building department determines the cost to repair exceeds 50% of the structure's pre-loss market value (the FEMA/NFIP "50% rule"), the home must be brought into current floodplain code, which usually means elevating the finished floor above base flood elevation. This is where ICC coverage kicks in up to $30,000. After Ian, dozens of older Bonita Springs homes in 34134 hit this threshold and faced elevation, demolition, or relocation decisions. We coordinate with a Florida-licensed structural engineer and the Bonita Springs Building Department early in the claim so the homeowner knows by week two whether they are in a 50% rule scenario, not week ten.
Free estimate. No pressure. Insurance billing handled. Call our Bonita Springs line and we'll have a project manager in Bonita Springs fast.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
Open 24/7 · Emergency Dispatch