Major-loss insurance rebuild GC in Sea Island, GA ($25K+ scope). Pro GC deploys from Florida, partners with locally licensed subs. (239) 989-2430.
Hurricane Matthew (Oct 2016) eyewall passage near Sea Island — significant wind + surge, Hurricane Irma (Sept 2017) wind + Saint Simons Sound surge, Hurricane Dorian (Sept 2019) offshore but major beach erosion; chronic Atlantic salt-air corrosion on Mediterranean tabby + stucco
Building stock: Ultra-luxury private-island SFH in Mediterranean / Spanish Revival vernacular (Addison Mizner 1928 architectural legacy), tabby-concrete construction with arches and clay tile, The Cloister resort housing, heavy second-home (75%+), pile-elevated where required by flood zone
Carriers we document for: Chubb Private Client (heavy concentration), AIG Private Client Group, Cincinnati Financial Private, PURE Insurance, GA Underwriting Association (Wind/Hail Plan for coastal) — most barrier-island GA homes carry wind plan coverage separately
Pro GC is licensed in Florida as a Certified General Contractor (CGC). For projects in Georgia, Pro GC has filed for direct GA Residential-Light Commercial Contractor License licensure with the Georgia State Licensing Board for Residential and General Contractors; pending issuance, Pro GC operates via locally-licensed Georgia general contractor partnership as permit-of-record on major-loss insurance projects ($25K+ scope). Our FL crews deploy under the partner's permit and our combined project documentation satisfies homeowner-policy claim requirements. The state threshold requiring a GA Residential-Light Commercial Contractor License is $2,500+ residential, which Pro GC's $25K+ major-loss project floor exceeds.
In Sea Island, general construction scope under the Pro GC contract starts at the $25K insurance major-loss floor and extends through full structural reconstruction. The deliverable on a typical The Cloister area-area job: same contractor on the moisture-mapping intake, the IICRC-protocol mitigation, the Chubb Private Client-aligned Xactimate scope, and the rebuild — billed direct to your carrier, warrantied in writing. Typical scope elements: general construction, construction company, licensed general contractor, post-disaster reconstruction, insurance reconstruction contractor.
Median home value $3.58M; private-island ultra-premium with Mizner architectural legacy; Mediterranean / Spanish Revival tabby + stucco restoration is a true niche (very few SE GCs work this vernacular); heavy second-home + private-club coordination
Hurricane Matthew (2016 — eyewall), Hurricane Irma (2017), Hurricane Dorian (2019), Hurricane Idalia (2023) outer effects
Why this matters for your general construction claim: insurance carriers in Sea Island 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 general construction crews working Sea Island address the neighborhoods individually. Sea Island Cottages historic district (ultra-luxury private-island sfh in mediterranean / spanish revival vernacular (addison mizner 1928 architectural legacy)) reacts to wind and water load differently from Rainbow Island, and our scope reflects that. We've put hands on similar structures during the Hurricane Matthew 2016 aftermath and know where the envelope tends to give up first.
Carrier dynamics shape general construction scope in Sea Island more than people realize. Chubb Private Client carries most of the policy load here, and they pay against documentation — not narrative. Pro GC's scope is written as full-scope general contracting from foundation through final finish, billed under one license and one project manager, broken to line items, and tied back to Hurricane Matthew 2016 with timestamped photos and NOAA data so the adjuster has nothing left to ask for.
On the licensing side: GA Residential Light Commercial Contractor License (RLCO) — pending issuance, Pro GC operates via locally-licensed subcontractor partnership as permit-of-record. Sea Island sits inside Georgia State Licensing Board for Residential and General Contractors and GA DNR Coastal Resources's jurisdiction, and the Shore Protection Act jurisdiction and Georgia DNR Coastal Resources Division permits within the dynamic dune field hits projects within a defined setback. Pro GC's permit-of-record workflow accounts for both — the licensed local partner carries the permit, and we run the scope, materials, and crew under our Florida CGC.
Most Sea Island general construction re-do calls trace to one root cause: subcontractor coordination gaps that stall finish-out phases. Pro GC's scope discipline (FBC + local code) eliminates that failure mode at the diagnosis stage. Our Sea Island books carry referrals from Chubb Private Client adjusters who've watched our supplement requests stay tight and our certificates of completion match the original scope.
Hurricane Matthew — October 7-8, 2016. Cat 2 offshore as it paralleled Georgia coast, 95-105 mph sustained offshore, 75-85 mph on Sea Island, surge of 5-9 ft on Sea Island's Atlantic frontage. Fort Pulaski NOAA gauge recorded 12.5 ft above MLLW; Sea Island recorded sustained Cat-1 to Cat-2 conditions for 8+ hours. Matthew was the first major hurricane impact on Sea Island in modern living memory; The Cloister and the cottage colony took significant water + wind damage. The 2016 Matthew claims established the modern documentation standard for Sea Island estate restoration and the relationship with the Sea Island Company on contractor coordination.
From a general-construction standpoint, Matthew reset Sea Island's build standard. Code, materials, and inspection cycle all shifted in the 2016-2018 window, and Pro GC's general construction scope on Sea Island addresses today still tracks against the post-Matthew build requirements: pile-elevation specs, impact-rated openings, wind-zone-rated roofing, and the local-jurisdiction permit sequence that emerged in the rebuild cycle.
Hurricane Matthew — October 8, 2016. Matthew tracked roughly 50 miles offshore of the Georgia coast on October 8, 2016, but its expanded wind field pushed Category 2 wind gusts across the barrier islands and produced record tide at Fort Pulaski just north. In Sea Island, the F.J. Torras Causeway — the only way on or off the St. Simons / Sea Island complex — remained closed for days post-storm, with law officers turning away anxious residents; the surge stacked on top of an already-high astronomical tide drove flooding well inland of the dune line. Governor Nathan Deal had ordered mandatory evacuation for every part of Georgia east of I-95 and the Georgia DPS reversed the eastbound lanes on a portion of I-16 to move people inland. Matthew's storm tide set a new record at Ft. Pulaski of 12.57 ft MLLW — nearly 8 feet of surge — occurring two hours after high tide; the offshore-eye event pattern means barrier-island scope tends to concentrate in roof, fascia, soffit, and tree-related wind damage rather than surge-and-debris loss.
For Pro GC's general-construction scope, the named-storm history this town has absorbed is why the code-compliance and permit-of-record discipline matters. Pro GC operates under the FL CGC and partners with locally-licensed permit-of-record subcontractors where state licensure hasn't yet vested, so a project here doesn't stall waiting for inspections inside an unfamiliar jurisdiction.
The Brunswick News, Savannah Morning News, NHC Matthew tropical cyclone report, and Georgia DPS post-storm records documented the impact summarized above. Sources consulted include the The Brunswick News and Savannah Morning News and federal/state post-storm assessments.
If you're reading this BEFORE a storm — not after — Pro GC publishes a complete preparation guide for Sea Island: 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.
Yes. Pro GC & Restoration holds a Florida Certified General Contractor (CGC) license, current insurance (general liability + workers' comp), and all required local registrations for Lee and Collier counties. License and insurance verification is provided before any contract is signed.
For Sea Island general construction, the typical major-loss scope (the floor Pro GC takes at $25K+) lands in the $35K-$120K range depending on category, square footage affected, and whether Chubb Private Client approves the supplement scope on first review. GC fees in SWFL are typically 10–20% of total project cost depending on scope complexity, with most insurance-reconstruction work falling in the 15–18% range. For renovations and new construction, the GC fee is built into the project quote. Pro GC discloses the structure transparently — no hidden markup.
Florida requires a licensed contractor for any work involving structural changes, electrical, plumbing, HVAC, roofing, or permitted modifications. You can DIY paint and minor cosmetic work. For everything else, a licensed GC pulls the permits, coordinates subs, manages inspections, and warranties the work.
Pro GC manages: design coordination, permit pulls, subcontractor scheduling (electrical, plumbing, HVAC, drywall, paint, flooring, roofing), inspections, materials procurement, project timeline, change orders, and warranty. You have one phone number for the entire project instead of coordinating 8–12 trades yourself.
Yes — this is one of Pro GC's most common project types. We bill insurance carriers directly using Xactimate, document scope for the adjuster, handle scope-vs.-coverage negotiation, pull permits, and complete the full rebuild. ALE displacement coverage is documented as part of the file.
Bathroom renovation: 3–6 weeks. Kitchen renovation: 6–12 weeks. Whole-home renovation: 3–9 months. Post-hurricane full rebuild: 6–14 months depending on scope and permit timeline. Pro GC provides a written schedule with milestone dates and weekly progress updates.
In Sea Island, mitigation typically takes 4-8 days under general construction S500/S520 protocol; restoration scope follows immediately and runs 6-14 weeks depending on rebuild complexity. Pro GC holds both phases under one GC license — no handoff gap. A general contractor (GC) manages the overall project — permitting, scheduling, coordination, quality, warranty. Subcontractors (electricians, plumbers, drywallers) are specialty trades the GC hires and supervises. You contract with the GC; the GC contracts with the subs. This protects you from coordination headaches and trade-vs-trade disputes.
Yes — Pro GC pulls all required building, electrical, plumbing, mechanical, and roofing permits for your project as part of the project scope. We coordinate with Lee County, Collier County, City of Cape Coral, and municipal building departments. You shouldn't have to interact with permitting offices.
Pro GC is licensed in Florida as a Certified General Contractor (CGC). For GA residential and light-commercial work over $2,500, GA requires a Residential-Light Commercial Contractor License through the GA State Licensing Board for Residential and General Contractors. For Sea Island major-loss restoration, Pro GC engages locally licensed GA Residential-Light Commercial Contractor subcontractors as permit-of-record and deploys our FL crew for scope execution.
Pro GC's SW Florida base has handled Ian 2022 Cat 4, Charley 2004 Cat 4, Helene + Milton 2024 — multiple recent Cat 4-class events. Sea Island took Matthew's 2016 eyewall passage + Irma 2017. Pro GC's catastrophic-loss experience matches Sea Island's major-storm benchmark requirements, and our Mediterranean / Spanish Revival stucco + tile experience in SW FL (Old Naples, Marco Island) directly translates to Sea Island's Addison Mizner vernacular.
Yes — Pro GC bills Chubb Private Client (heavy Sea Island concentration), AIG Private Client Group, Cincinnati Financial Private, PURE Insurance, and the GA Underwriting Association (Wind/Hail Plan) that most barrier-island GA homes carry separately. Documentation uses Xactimate and meets ultra-premium private-client carrier standards.
Pro GC mobilizes deployed crews for major-loss insurance restoration of $25,000+ project scope. Free assessment for any storm damage; smaller scope referred to vetted local Glynn County / Golden Isles GCs.
Sea Island's dominant architecture is Spanish / Mediterranean Revival in tabby concrete with arches, clay tile roofs, and ornamental stucco — the Addison Mizner 1928 legacy preserved when The Cloister was rebuilt in 2006 (Spanish Lounge faithfully restored). Pro GC's SW FL stucco + tile + Mediterranean Revival experience directly applies; we work this vernacular daily on Old Naples and Marco Island.
Matthew (2016) eyewall passage near Sea Island caused major wind + surge damage — the defining recent storm event. Irma (2017) wind + Saint Simons Sound surge, Dorian (2019) offshore but major beach erosion. Pro GC's deployed-crew experience covers comparable Atlantic-side barrier-island storm scope.
Yes — Pro GC's Sea Island service area covers The Cloister area, Sea Island Drive, Black Banks River corridor, Ocean Forest, Sea Island Beach Club, Rainbow Island, North End, South End, and the Sea Island Cottages historic district.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
Open 24/7 · Emergency Dispatch