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.
Punta Gorda took Charley directly in 2004 and Ian in 2022 — two Category 4 direct hits within 18 years. Our Punta Gorda hurricane work often involves homes still resolving Charley-era issues compounded by Ian damage. Insurance documentation has to untangle which damage came from which storm.
Our Punta Gorda crew works across the full city — from Fishermen's Village, Gilchrist Park, Punta Gorda History Park, Charlotte Harbor Event Center, Burnt Store Marina — and we're familiar with how hurricane / storm damage scope changes between Punta Gorda Isles and Burnt Store Isles.
Punta Gorda disaster history: Hurricane Ian (2022 — Cat 4 eye-wall), Hurricane Charley (2004 — Cat 4 direct hit), Hurricane Irma (2017). We were on the ground in this city for each event and know the local permitting + insurance landscape.
Punta Gorda has now taken two Cat 4 direct hits in twenty years — Charley on August 13, 2004, eye coming ashore right over the city, and Ian on September 28, 2022, with surge pushing up the Peace River into the Punta Gorda Isles canal grid and the historic downtown. Irma in 2017 added a tropical-storm-force overlay between them. Every Punta Gorda homeowner who has been here through both knows the first seventy-two hours decide whether a claim pays in full or gets watered down by progressive damage that should have been mitigated.
We pre-stage 6-mil reinforced tarps, shrink-wrap, and 5/8-inch CDX board-up panels at the Punta Gorda dispatch before any named storm crosses 25 degrees north. When wind drops below safe-work threshold, the order runs by structural-risk severity, not call sequence. A peeled roof on a Punta Gorda Isles two-story gets covered before a broken slider on a Burnt Store Meadows ranch. Pre-existing roof condition gets documented with drone imagery before the tarp goes on — adjusters from Citizens and Florida Peninsula will ask, and the answer needs to be in the file before they do.
A Punta Gorda Isles canal home with documented surge intrusion from the Peace River is a different first 24 hours than an inland Burnt Store Meadows home with roof-only damage. Surge water from the harbor and river system carries salt, sewage, and substrate contamination — Category 3 by default under IICRC standards. Drywall gets cut to a documented inspection height (typically 24 inches above the high-water mark, ticked at every stud bay), saturated insulation comes out the same day, and LGR dehumidifiers go in before mold pressure builds. Inland homes get dry-out plus targeted roof repair. Same storm, two different scopes, because the carriers don't pay the same on both.
After any federally declared disaster, a Punta Gorda homeowner may have a Citizens HO-3 claim, an NFIP flood claim, and a FEMA Individual Assistance application running at the same time. Each one wants different documentation, and homes that took damage in both Charley and Ian need historical separation in the file or the carrier will deny the new loss as a prior-storm exclusion. We produce a single damage package — geotagged photography, room-by-room moisture logs, depth-of-flood markers tied to FEMA Flood Zone (AE, VE, or X) for the specific parcel — that satisfies all three, and that's also what gets filed against NFIP's 60-day Proof of Loss deadline.
The crew that worked Punta Gorda through Ian still works Punta Gorda. We know which streets in the Isles flooded that the maps didn't predict, which blocks near the Charlotte Harbor Event Center need a Charlotte County permit before any structural work begins, and which carriers fight the supplemental claim eighteen months after closing. When the next system enters the Gulf, dispatch out of the Punta Gorda office is already rolling before the cone narrows. That is the only response posture that actually 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 Punta Gorda homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Punta Gorda hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Punta Gorda homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Punta Gorda hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Punta Gorda homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Punta Gorda hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Punta Gorda homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Punta Gorda hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
For Punta Gorda homeowners, the answer depends on the specific scope — call us at (239) 920-7972 for a same-day estimate. Our Punta Gorda hurricane / storm damage crew handles this routinely; we can give you a clear quote after a 15-minute walkthrough.
Our Punta Gorda hurricane / storm damage crew dispatches across the full city — from Punta Gorda Isles, Burnt Store Isles, Burnt Store Marina, Historic District, Babcock Ranch (north edge), Charlotte Harbor, Tropical Gulf Acres, covering ZIP codes 33950, 33982. Storm damage scope varies street by street in Punta Gorda — our local crew knows which neighborhoods need which response first.
Punta Gorda insurance carriers we work with: Citizens Property, FEMA, historic-district preservation requirements. 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:
All services in Punta Gorda →Eyewall passage like Ian on September 28, 2022 typically leaves a PGI home with roof breach, soffit blow-out, and Peace River surge intrusion at ground level. Our first-24 protocol is structural safety walk, gas and electrical shutoff verification, emergency tarp and board-up, water extraction limited to safe areas, and contents triage moved to elevated storage. We do not run dehumidifiers until the envelope is closed. Documentation begins immediately with date-stamped photos, drone shots over the canal, and a written cause-of-loss narrative ready for the Citizens or surplus-lines adjuster.
We work the Peace River shoreline first because surge damage is time-sensitive. Crews stage near the Charlotte Harbor Event Center if it's clear, then sweep from Fishermen's Village south to Gilchrist Park and Ponce de Leon Park, prioritizing homes with active water intrusion or structural compromise over cosmetic damage. Each address gets a triage tag, GPS-tagged photo set, and 24-hour callback commitment. Homes inland of US-41 are scheduled in the second wave once shoreline emergency mitigation is stabilized, since they typically face wind and rain rather than active surge.
Critical question for Punta Gorda. Charley (August 13, 2004) and Ian (September 28, 2022) both made Cat 4 landfall here, and many homes carry repair history from both. We pull Charlotte County permit records, prior carrier files if you have them, and pre-Ian listing photos from the MLS when available. Each documented Charley repair is logged so the current adjuster sees what was already restored. The 60-day Proof of Loss for the most recent event then only includes damage attributable to that specific peril, not cumulative degradation.
Wear-and-tear denials are common on older Punta Gorda housing stock, especially block ranch homes built between Charley and Ian. The path forward is supplemental documentation, not a re-file. We pull the original Charley-era repair permits from Charlotte County, any maintenance records, and pre-loss aerial imagery from county GIS or Google Earth historical view. A licensed engineer's letter tying observed damage to wind speeds recorded at the Punta Gorda Airport ASOS during Ian often resolves the dispute. If not, the appraisal clause in your Citizens policy is the next step.
They can, but they cover different things and stack carefully. NFIP through Wright Flood or another WYO carrier pays for flood-caused damage up to your building and contents limits, subject to the surge water line. FEMA Individual Assistance is needs-based and typically covers temporary housing, essential repairs, and personal property gaps not paid by insurance. On a PGI canal home, NFIP usually handles the ground-floor surge scope, and FEMA IA fills in things like temporary lodging while you wait on contractor schedules. We help organize both files so they don't duplicate or conflict.
Free estimate. No pressure. Insurance billing handled. Call our Cape Coral line and we'll have a project manager in Punta Gorda fast.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
Open 24/7 · Emergency Dispatch