Major-loss insurance hurricane restoration in Figure Eight Island, NC ($25K+ scope). Pro GC deploys from Florida + partners with local subs. 24/7 emergency. (239) 989-2430.
Hurricane Florence (2018) direct impact during Wrightsville Beach landfall, Hurricane Isaias (2020) Cat 1, Hurricane Dorian (2019) outer; chronic ocean-side erosion + Atlantic salt corrosion; bridge-access requires planning around bridge inspection / closure windows
Building stock: Ultra-luxury pile-elevated SFH (only ~475 homes total), private gated barrier island with single guarded swing-bridge access, impact-rated coastal construction throughout, heavy second-home (80%+), high-end marine-grade construction, no commercial development on island
Carriers we document for: Chubb Private Client (heavy concentration), AIG Private Client Group, Cincinnati Financial Private, PURE Insurance, NC Farm Bureau, NC Joint Underwriting Association Beach Plan
Pro GC is licensed in Florida as a Certified General Contractor (CGC). For projects in North Carolina, Pro GC has filed for direct North Carolina General Contractor License licensure with the NC Licensing Board for General Contractors (NCLBGC); pending issuance, Pro GC operates via locally-licensed North Carolina 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 North Carolina General Contractor License is $30,000+, which Pro GC's $25K+ major-loss project floor exceeds.
Pro GC writes hurricane and storm damage response scope in Figure Eight Island the way Chubb Private Client pays it: in Xactimate line items, broken to category, with photo documentation tied to the Hurricane Florence 2018 timeline where applicable. The scope includes mitigation (extraction, drying, containment), restoration (rebuild and finish), and a final certificate. One contract, one license trail. Typical scope elements: storm damage repair, storm damage restoration, hurricane damage restoration, emergency storm response, emergency board up.
Median home value $6M+; private-island access creates extreme logistics niche; ultra-premium private-client carriers demand most detailed documentation; absentee-owner coordination paramount
Hurricane Florence (2018), Hurricane Isaias (2020), Hurricane Dorian (2019), Hurricane Matthew (2016)
Why this matters for your hurricane / storm damage response claim: insurance carriers in Figure Eight 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.
Inside Figure Eight Island, hurricane and storm damage response scope is shaped by the neighborhoods Pro GC actually walks. Figure Eight Island Yacht Club area sits on a different exposure profile than Sea Watch — wind, surge, salt-air corrosion, and post-storm contractor access all read differently a few blocks apart. When we scope a job at Beach Road South, we factor in the specific building stock there: ultra-luxury pile-elevated sfh (only ~475 homes total) and the way that envelope holds — or fails — under the load profile Hurricane Florence delivered.
The hard part of a hurricane and storm damage response claim in Figure Eight Island isn't the work — it's hurricane-deductible carrier filing. Chubb Private Client sets the documentation standard on this coast, and we file against it: NOAA wind speed timeline at the nearest observation point, photo set keyed to the Hurricane Florence 2018 ground-truth, and a roof tarping, exterior envelope stabilization, water intrusion mitigation, debris removal, and full structural rebuild under the named-storm claim breakout written in line items that match the carrier's Xactimate template rather than generic 'storm damage' shorthand.
On the licensing side: NC General Contractor License (NCLBGC) — pending issuance, Pro GC operates via locally-licensed subcontractor partnership as permit-of-record. Figure Eight Island sits inside NC Licensing Board for General Contractors and the NC Division of Coastal Management's jurisdiction, and the CAMA (Coastal Area Management Act) permits required for projects within the AEC (Areas of Environmental Concern) — typically within 75 feet of the shoreline 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.
What goes wrong on Figure Eight Island hurricane and storm damage response jobs when the wrong contractor takes them: tarping windows getting blown off within 72 hours when contractors use the wrong staple pattern. We see it on supplement requests after another vendor's first attempt — and the supplement scope ends up larger than if the original scope had been written correctly. Pro GC's IICRC S500/S520 discipline gets the scope right the first time, which is why our Figure Eight Island project list stays heavy on referrals from carriers who've watched us close clean claims.
Hurricane Florence — September 14, 2018. Cat 1 at nearby Wrightsville Beach landfall (~8 miles south), 90 mph sustained close to the island, surge of 7-11 ft on Figure Eight's exposed Atlantic frontage. the New Hanover County and Pender County boundary saw the highest combined surge + rainfall totals of any North Carolina coastline during Florence. Figure Eight Island took the eastern eyewall directly; the private bridge access meant restoration materials had to coordinate through the security gate and the limited staging area added scope-management complexity. Most island estates carried Chubb, AIG, or PURE policies which demanded the highest documentation standard during the 2019-2020 rebuild cycle.
The Figure Eight Island hurricane-response template Pro GC runs against was forged in the Florence aftermath: hard 72-hour tarping deadline, named-storm carrier filing under the hurricane peril (not generic property), and a Xactimate scope written to the carrier's claim template — not the general 'storm damage' shorthand that triggers supplement requests.
Hurricane Florence — September 14, 2018. Florence's eye crossed the southern New Hanover County coast on September 14 at 7:15 a.m., putting Figure Eight Island inside the northern eyewall for hours of sustained wind and surge. In Figure Eight Island, post-storm aerial surveys of Figure Eight Island documented damage across the bridge-only private island; eastern New Hanover County more broadly recorded beach-erosion escarpments up to 10 feet high cut into the dune face at Carolina and Kure Beach. Bridge-only access cut figure eight off from emergency response and contractor mobilization for days after the storm. Florence's 30+ inches of rainfall in parts of eastern NC set a state single-storm rainfall record and meant that even oceanfront homes that survived surge had to manage extended interior water intrusion and the mold cycle that followed.
For Pro GC's hurricane-storm-damage-response scope, this is the case study. Pro GC operates under FL CGC license #CGC1521647, builds wind-vs-flood peril splits at the line-item level for the carrier and NFIP files, and pre-positions crews on named-storm warning rather than waiting for landfall. The named-storm reality this town has lived through is what our protocols are written for.
StarNews Wilmington, WECT News, and the NHC tropical cyclone report on Florence documented the impact summarized above. Sources consulted include the StarNews Wilmington and WECT and federal/state post-storm assessments.
If you're reading this BEFORE a storm — not after — Pro GC publishes a complete preparation guide for Figure Eight 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.
For Figure Eight Island, the canonical reference event is Hurricane Florence (September 14, 2018). Florence's eye crossed the southern New Hanover County coast on September 14 at 7:15 a.m., putting Figure Eight Island inside the northern eyewall for hours of sustained wind and surge. The damage profile that Hurricane Florence produced in Figure Eight Island - post-storm aerial surveys of Figure Eight Island documented damage across the bridge-only private island; eastern New Hanover County more broadly recorded beach-erosion escarpments up to 10 feet high cut into the dune face at Carolina and Kure Beach - maps directly to the six failure modes below, ordered by typical Figure Eight Island storm scope. Coverage answers reference NC Joint Underwriting Association (Beach Plan), State Farm, Allstate, USAA, NFIP for flood; Chubb Private Client + AIG Private Client + PURE Insurance dominate Figure Eight given the ultra-premium private-island market; NC Beach Plan covers wind for properties that don't carry private-carrier wind endorsements.
Wind uplift strips shingles, exposes decking, and lets the next rain in. Pro GC's first-72-hour scope is emergency tarping followed by underlayment + decking inspection and full re-shingle if the warranty matters. General Construction (roof rebuild scope) in Figure Eight Island →
Horizontal water entry through wind-created openings soaks interior cavities without visible exterior breach. Thermal imaging + cavity-by-cavity moisture mapping + insulation removal + 5-10 day dry-out cycle. Water Damage Restoration (wind-driven rain scope) in Figure Eight Island →
Emergency tarping over the impact point + immediate water mitigation underneath, separate licensed arborist tree-removal scope, then structural inspection - often sister-rafter reinforcement or truss replacement. General Construction (impact rebuild scope) in Figure Eight Island →
24-48 hour window between water intrusion and first colony growth. IICRC S520 Condition 1/2/3 classification at intake, negative-air HEPA containment, antimicrobial treatment, third-party clearance air sampling. Mold Remediation (full S520 protocol) in Figure Eight Island →
Stripped fascia + soffit exposes the attic to wind-driven rain; gable-end shear compromises the roof-to-wall connection. Day-1 re-attachment to close the envelope, then siding + structural-connection inspection on the rebuild phase. General Construction (structural rebuild scope) in Figure Eight Island →
Surge water requires Category 3 (black water) protocol per IICRC S500: 4-foot demo of all porous materials above the high-water line, antimicrobial treatment, structural drying with LGR dehumidifiers, third-party clearance. Water Damage Restoration (full surge protocol) in Figure Eight Island →
Insurance coverage varies by policy, endorsement, and carrier. Pro GC's role is to scope and document the loss correctly - the carrier's adjuster determines coverage. If your claim is denied or underpaid, the state insurance department maintains a public-adjuster licensee directory and consumer-complaint process at no cost.
Pro GC's emergency response begins the moment local authorities clear roads. Standard target is on-site within 4–12 hours post-storm depending on access conditions and call volume. We pre-position crews and materials before forecasted impact for SWFL hurricanes. 24/7 dispatch line: (239) 989-2430.
Yes — emergency board-up is one of our most-requested post-storm services. We board up broken windows, damaged doors, and breached walls to secure the property from rain, wildlife, and theft. Board-up is documented for your insurance carrier as a mitigation expense (covered under standard policies' 'reasonable repairs to prevent further loss').
Roof tarping covers storm-damaged sections of roof to stop ongoing water intrusion until permanent roof repair is possible. We use FEMA-grade tarps (the 'blue tarp' you see post-storm), properly secured with battens and weather sealing — designed to last 30–90 days. Pro GC documents tarping for insurance as required emergency mitigation.
For larger damaged roof sections or where standard tarping won't seal properly, we use heat-shrink-wrap roofing — a more durable, water-tight emergency cover that can last 6–12 months while waiting for permanent re-roof scheduling. More expensive than blue tarp but far more reliable in repeated rain.
Water diversion is engineered redirection of water flow away from compromised structures: temporary roof channels, tarped diversion gutters, sandbag berms, pump systems for standing water, and emergency drainage. Pro GC's storm crews include water-diversion specialists for both residential and commercial scope.
Wind damage from hurricanes is typically covered by standard homeowners insurance, subject to the named-storm or wind/hail deductible (often 2–5% of dwelling coverage, not the standard flat deductible). Storm-surge flooding is NOT covered by homeowners — that requires NFIP flood insurance. Pro GC documents the cause of each damage element to support proper claim filing.
Yes. Pro GC handles commercial hurricane response — office buildings, retail, restaurants, hotels, condo associations, churches, medical buildings. Commercial scope often includes scaled board-up, large-format tarping, water extraction, business continuity coordination, and direct billing to commercial carriers.
Yes. Post-hurricane work in condos requires coordination between unit-owner coverage and master-policy coverage (HOA carrier). Pro GC works with both, documents the split, and coordinates with property managers and association boards on common-area access and shared-system restoration.
Pro GC is licensed in Florida (Certified General Contractor). For NC projects $30,000+, Pro GC engages locally licensed NC GC subcontractors as permit-of-record through the NCLBGC and deploys our FL crew for scope execution.
Pro GC's SW Florida base has handled Cat 4 catastrophic-loss events and ultra-premium carrier documentation across Captiva, Sanibel, Jupiter Island, and Naples Port Royal. Figure Eight Island's ~$6M+ median home value, private guarded-bridge access, and Chubb Private Client + AIG Private Client dominant carrier mix all match scenarios Pro GC handles daily in SW Florida.
Yes — Pro GC bills Chubb Private Client (heavy F8 concentration), AIG Private Client Group, Cincinnati Financial Private, PURE Insurance, NC Farm Bureau, and NC Joint Underwriting Association Beach Plan directly via Xactimate. Documentation meets ultra-premium private-client carrier standards.
Pro GC mobilizes deployed crews for major-loss insurance restoration of $25,000+ project scope, with private-bridge access logistics documented in the quote. Free assessment for any storm damage; smaller scope referred to vetted local Wilmington-area GCs.
Figure Eight is accessible only via a guarded private swing-bridge (the only private bridge over the Intracoastal Waterway in the American Southeast). Pro GC's project planning includes bridge-pass coordination through the homeowner / property manager, material staging schedule, and crew commute logistics. We've worked Bald Head Island ferry logistics and Captiva / Sanibel barrier-island access and adapt to F8's bridge constraints.
F8 took Florence (2018) impact during Wrightsville Beach's Cat 1 landfall, Isaias (2020), Dorian (2019), Matthew (2016). Many rebuilds from these events are in supplement-claim phase. Pro GC's deployed-crew experience covers comparable storm-loss scope across SW Florida barrier islands.
80%+ of Figure Eight Island residences are second-home or seasonal. Pro GC documents work with owner-portal photo updates, coordinates with property managers and family offices, and provides absentee-owner-friendly approval workflows — the same standard we apply for our SW Florida second-home market.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
Open 24/7 · Emergency Dispatch