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.
Port Charlotte took two direct hits in 18 years — Charley 2004 and Ian 2022 — both Category 4. Charlotte Harbor waterfront homes have multi-storm cumulative damage. Our Port Charlotte work frequently involves documentation untangling which damage came from which storm.
Our Port Charlotte crew works across the full city — from Charlotte Sports Park (Tampa Bay Rays spring training), Port Charlotte Beach Park, Bayshore Live Oak Park, Cultural Center of Charlotte County — and we're familiar with how hurricane / storm damage scope changes between Port Charlotte East and Charlotte Park.
Port Charlotte disaster history: Hurricane Ian (2022 — heavy damage), Hurricane Charley (2004 — direct hit), Hurricane Irma (2017). We were on the ground in this city for each event and know the local permitting + insurance landscape.
Port Charlotte is the rare Florida city that took two direct Cat 4 hits inside twenty years — Charley on August 13, 2004, eye over the harbor, and Ian on September 28, 2022, surge pushing 5-8 ft up the Myakka and into Charlotte Harbor at El Jobean. Irma in 2017 added a Cat 1 wind event on top. For homeowners filing supplemental claims, the carrier's first question is which storm caused which damage, and the answer has to be in the file.
We pre-stage shrink-wrap, 6-mil reinforced tarps, and 5/8-inch CDX board-up panels before any named storm enters the Gulf cone. When the wind drops below safe-work threshold, dispatch runs by structural-risk severity, not call order — a peeled roof in Murdock gets covered before a broken slider in Deep Creek. We drone-document pre-existing roof condition before the tarp goes on. Citizens and Florida Peninsula adjusters will ask about it during the supplemental review, and the answer needs to be in the file with a timestamp.
A waterfront home off Edgewater Drive or the El Jobean Bridge corridor with Charlotte Harbor surge intrusion is a completely different first 24 hours than an inland 33948 home with roof-only damage. Surge brings salt, sewage, and substrate contamination — Category 3 by default under S500. We cut drywall to a documented inspection height (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 typically get a dry-out plus targeted roof patch. We do not run the same scope on both because the carriers will not pay the same scope on both.
After a federally declared disaster, a Port Charlotte homeowner may have a Citizens HO-3 claim, an NFIP flood claim, and a FEMA Individual Assistance file running simultaneously. Each one wants different documentation, and on a home that also took Charley, prior-storm exclusions get raised fast. We produce a single damage assessment package — geotagged photos, room-by-room moisture logs, depth-of-flood markers tied to FEMA Flood Zone (AE, VE, or X on the Charlotte County map), staining patterns annotated by storm cohort, and an Xactimate scope at the Charlotte County price list. That package satisfies all three filings and the 60-day NFIP Proof of Loss deadline.
The crew that ran Port Charlotte through Ian still runs Port Charlotte. We know which streets in South Gulf Cove flooded that nobody expected to, which neighborhoods need permits before structural work, and which carriers will fight the 18-month supplemental.
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 Port Charlotte homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Port Charlotte hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Port Charlotte homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Port Charlotte hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Port Charlotte homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Port Charlotte hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Port Charlotte homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Port Charlotte hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Port Charlotte homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Port Charlotte hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
Our Port Charlotte hurricane / storm damage crew dispatches across the full city — from Port Charlotte East, Charlotte Park, Murdock, Deep Creek, Charlotte Ranchettes, Riverwood (PC), Section 15, South Gulf Cove, covering ZIP codes 33948, 33952, 33953, 33954, 33980, 33981, 33983. Storm damage scope varies street by street in Port Charlotte — our local crew knows which neighborhoods need which response first.
Port Charlotte insurance carriers we work with: Citizens Property, FEMA assistance still active for many homes post-Ian, manufactured-home carriers. 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 starts with life-safety: gas, electrical, and structural stability. Then we separate wind versus surge damage line by line, because in Port Charlotte properties along Edgewater Drive and South Gulf Cove, the wind portion runs through the HO-3 policy and the surge portion through NFIP flood. We document the high-water mark with photographs and elevation references, identify wind-driven rain entry points above that mark, and board up openings before further water intrusion. A clear scope split prevents the two carriers from each pointing at the other while the home continues to deteriorate.
Many Port Charlotte homes around Section 15 and Murdock still carry latent Charley (2004) damage layered under Ian (2022) damage. We pull permit history from the Charlotte County Building Department, review prior claim records when the homeowner has them, and inspect for tell-tale markers - older nail patterns, weathered sheathing under newer felt, mineral-stained framing versus fresh moisture. The forensic file becomes critical when an Ian adjuster argues a loss is pre-existing. NFIP and FEMA also require clear event attribution, especially when an Increased Cost of Compliance claim is in play.
Emergency board-up under most Florida HO-3 policies is covered under loss-mitigation duties. We arrive with 5/8" CDX or OSB, tapcons or 2x4 cleats sized for masonry, tarps rated for at least 6-mil thickness, and roof-edge battens. Priority is securing roof penetrations, broken openings, and any compromised garage doors - a common Ian failure mode in Port Charlotte East. We photograph each opening before and after, log materials and time on site, and produce an itemized invoice the carrier can apply against the policy's reasonable-and-necessary mitigation language without dispute.
Charlotte County allows emergency tarping without a permit as immediate mitigation, but any permanent roof, structural, or electrical work requires a permit through the Building Department. Tarps over 30 days typically draw a code-enforcement review. We file the permanent roof permit promptly and reference the original loss date so the inspector understands the sequence. For waterfront homes near Port Charlotte Beach Park, FEMA floodplain rules can also affect what's allowed during repair, especially when cumulative damage approaches the 50% substantial-damage threshold.
Screen enclosures and pool cages are typically scheduled separately under Florida HO-3 policies with their own sublimits and often a separate hurricane deductible. In El Jobean and along the Peace River, we routinely see total-loss enclosures with the underlying pool deck and tie-downs damaged as well. We document the original anchor pattern, cage profile, and screen specification (typically 20x20 mesh or no-see-um) so replacement matches pre-loss condition. If the Charlotte County permit on file shows a higher-spec enclosure, we reference that to support a like-kind-and-quality rebuild rather than a stripped-down replacement.
Free estimate. No pressure. Insurance billing handled. Call our Cape Coral line and we'll have a project manager in Port Charlotte fast.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
Open 24/7 · Emergency Dispatch