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.
Cape Coral took the direct eyewall of Hurricane Ian. Many homes still carry partially-resolved Ian damage four years later — second-tier reconstruction work, code-upgrade requirements, or never-closed insurance claims. Our Cape Coral crew has restored homes from McGregor to Burnt Store, knows the local Lee County permit office, and knows which CBS stucco contractors actually pass inspection.
Our Cape Coral crew works across the full city — from Cape Coral Yacht Club, Sun Splash Water Park, Four Mile Cove Ecological Preserve, Cape Coral Bridge, Tarpon Point Marina, Cape Coral Hospital — and we're familiar with how hurricane / storm damage scope changes between Cape Harbour and Tarpon Point.
Cape Coral disaster history: Hurricane Ian (2022 — Cat 4 direct hit), Hurricane Irma (2017), Hurricane Charley (2004), repeated tropical storm flooding. We were on the ground in this city for each event and know the local permitting + insurance landscape.
Cape Coral took the eyewall of Hurricane Ian on September 28, 2022 — Cat 4, 150 mph sustained, 12-15 ft surge up the Caloosahatchee and into every Gulf-access canal from Tarpon Point to Cape Harbour. The Cat 4 history goes back further: Charley in 2004, Irma in 2017. Every Cape Coral homeowner now understands the first 72 hours decide whether a claim pays in full or gets watered down by ongoing damage that should have been mitigated.
We pre-stage shrink-wrap, 6-mil reinforced tarps, and 5/8-inch CDX board-up panels at the Cape Coral office before any named storm makes landfall. When the wind drops below safe-work threshold, the dispatch order runs by structural-risk severity, not call order — a peeled roof in Rose Garden gets covered before a broken window in Sandoval, period. We document the pre-existing roof condition with drone photography before the tarp goes on. Adjusters from Citizens and Florida Peninsula will ask, and the answer needs to be in the file.
A canal-front home in 33914 with surge intrusion is a different first 24 hours than an inland 33991 home with roof-only damage. Surge brings salt, sewage, and substrate contamination — Category 3 by default under IICRC standards. We cut drywall to a documented inspection height (typically 24 inches above the high-water line, marked on every stud bay), pull saturated insulation, and stand up dehus before mold pressure can build. Inland homes usually get a dry-out plus targeted roof repair. We don't run the same scope on both because the carriers don't pay for the same scope on both.
After a federally declared disaster, a Cape Coral homeowner may have a Citizens HO-3 claim, an NFIP flood claim, and a FEMA Individual Assistance application running simultaneously. Each one wants different documentation. We produce a single damage assessment package — geotagged photos, room-by-room moisture logs, depth-of-flood markers tied to FEMA Flood Zone designation (AE, VE, or X), and an Xactimate-compatible scope — that satisfies all three. That single package is also what gets submitted to NFIP's Proof of Loss within the 60-day deadline.
The crew that ran Cape Coral through Ian still runs Cape Coral. We know which streets in Burnt Store flooded that nobody expected to, which neighborhoods need permits before any structural work, and which carriers will fight the supplemental claim 18 months later. When the next storm forms in the Gulf, dispatch from the SE 27th Terrace office is already rolling before the cone narrows. 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 Cape Coral homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Cape Coral hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Cape Coral homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Cape Coral hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Cape Coral homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Cape Coral hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Cape Coral homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Cape Coral hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Cape Coral homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Cape Coral hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
Our Cape Coral hurricane / storm damage crew dispatches across the full city — from Cape Harbour, Tarpon Point, Pelican, Burnt Store, Sandoval, Trafalgar Woods, Hancock Bridge, Yacht Club, Rose Garden, Coral Lakes, covering ZIP codes 33904, 33909, 33914, 33990, 33991, 33993. Storm damage scope varies street by street in Cape Coral — our local crew knows which neighborhoods need which response first.
Cape Coral insurance carriers we work with: Citizens Property Insurance, FEMA Flood Zones AE/X/VE, NFIP claims, Florida Peninsula, Tower Hill. 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:
Tarp severity is tied to opening size and water exposure. For shingle loss under ~100 sq ft with intact decking, a properly fastened 6-mil reinforced tarp with 1x3 furring strips screwed to rafters buys 30–90 days. For decking failure, truss damage, or any opening over the living area, you need shrink-wrap or a structural board-up with 1/2-inch OSB and through-bolted 2x4 stiffeners. After Ian, we saw Cape Coral homes near Four Mile Cove Preserve get a 'blue tarp' that lasted two weeks before re-leaking. FEMA and NFIP documentation require dated photos of the opening, the tarp install, and the underlying damage for every claim phase.
FEMA's substantial improvement / substantial damage rule says if cumulative repair cost exceeds 50% of the structure's pre-loss market value (not the lot value), the entire structure must be brought to current floodplain code — which in a V-zone near the Cape Coral Bridge means breakaway walls, elevated lowest finished floor above BFE plus freeboard, and engineered pile foundations. The City of Cape Coral building department tracks cumulative permits over time, so a series of smaller claims can trigger the threshold. Before signing any repair contract, ask the building department for a written substantial-damage determination based on the adjuster's estimate.
NFIP wants three things in the file before they release payment: a Proof of Loss signed within 60 days of the event (extensions are common after declared disasters), an itemized room-by-room inventory with photographs of damaged contents and structure, and receipts or estimates supporting each line. For 33993 and other AE-zone areas of Cape Coral, the adjuster will also want elevation certificate verification and high-water-line photos. We document the high-water line at every wall before demolition, log each material removed by category (drywall LF, insulation SF, cabinetry LF), and provide the homeowner with a clean packet that matches NFIP's standard claim worksheet.
After a Cat 3+ event, Cape Coral adjusters can be 21–60 days out. Florida statute gives Citizens 90 days to pay or deny once you've submitted a complete sworn proof of loss, so the clock starts when you push paperwork, not when they inspect. We help homeowners in Cape Harbour, Yacht Club, and Burnt Store document the pre-mitigation condition extensively (photos, video walkthrough, moisture mapping, contents inventory), perform emergency mitigation under the policy's duty-to-mitigate clause, and submit the proof of loss with the mitigation invoice attached. That forces a response within the statutory window rather than waiting indefinitely.
Usually neither, which is the unpleasant answer most Cape Coral waterfront owners don't want to hear. Standard HO-3 policies and Citizens wind policies exclude seawall, dock, davit, and bulkhead damage unless caused by a covered peril that also damaged the dwelling, and even then payouts are capped (often 10% of Coverage A or a flat limit like $5,000). NFIP excludes seawalls outright. For Cape Harbour and Tarpon Point owners, the realistic options are a separate dock-and-seawall rider through a specialty carrier, or self-funded reconstruction with engineered drawings submitted to the building department and Lee County environmental review.
Free estimate. No pressure. Insurance billing handled. Call our Cape Coral line and we'll have a project manager in Cape Coral fast.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
Open 24/7 · Emergency Dispatch