Major-loss insurance rebuild GC in Santa Rosa Beach, FL ($25K+ scope). Pro GC deploys from Florida, partners with locally licensed subs. (239) 989-2430.
Hurricane Sally (Sept 2020) gulf-side wind + flooding, Hurricane Michael (Oct 2018) significant impact on Florida Panhandle (Cat 5 landfall just east at Mexico Beach — wind effects reached Walton Co), chronic gulf-side erosion + salt-air, summer afternoon thunderstorm damage
Building stock: Master-planned New Urbanist communities (Rosemary, Alys, Seaside, WaterColor), gulf-front estates on 30A corridor, beach cottages with traditional and modernist coastal architecture, heavy second-home (80%+) + vacation rental, pile-elevated coastal construction, impact-rated throughout
Carriers we document for: Citizens Property Insurance Coastal Account, Tower Hill, Chubb Private Client (Rosemary/Alys), Cincinnati Financial Private, PURE Insurance, NFIP V/VE
General Construction scope written for Santa Rosa Beach addresses runs the full life of the claim: emergency mitigation, structural drying, antimicrobial scope where indicated, full reconstruction, and final certificate of completion. Pro GC carries it all under one contract because the alternative — three vendors and three handoffs — is where most Florida claims lose time and money. Typical scope elements: general construction, construction company, licensed general contractor, post-disaster reconstruction, insurance reconstruction contractor.
30A corridor median home value $1.01M baseline, enclave-level $2M-$5.1M; second-home + STR dominant; vacation-platform compliance scope; Panhandle storm-track exposure underweighted by most restoration brands
Hurricane Sally (2020), Hurricane Michael (2018 — Cat 5 nearby), Hurricane Ivan (2004), Hurricane Opal (1995 legacy)
Why this matters for your general construction claim: insurance carriers in Santa Rosa Beach 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 Santa Rosa Beach, general construction scope is shaped by the neighborhoods Pro GC actually walks. Seagrove Beach sits on a different exposure profile than Rosemary Beach — wind, surge, salt-air corrosion, and post-storm contractor access all read differently a few blocks apart. When we scope a job at Seacrest Beach, we factor in the specific building stock there: master-planned new urbanist communities (rosemary and the way that envelope holds — or fails — under the load profile Hurricane Sally delivered.
The hard part of a general construction claim in Santa Rosa Beach isn't the work — it's permit sequencing and inspection scheduling. Citizens Property Insurance Coastal Account 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 Sally 2020 ground-truth, and a full-scope general contracting from foundation through final finish, billed under one license and one project manager breakout written in line items that match the carrier's Xactimate template rather than generic 'storm damage' shorthand.
Florida licensing is a real factor on Santa Rosa Beach general construction jobs, and we don't paper over it. Florida Certified General Contractor (CGC), Florida licensed Mold Remediator (MRSR/MRSA), IICRC S500/S520 certified, EPA Lead-Safe RRP. We coordinate with Florida Department of Business and Professional Regulation (DBPR) and pull permits through the locally-licensed partner who carries the permit-of-record on each job. The Florida Building Code 2023 wind-zone requirements (impact-rated glazing or shuttering) adds a layer most non-coastal restoration brands aren't tooled for; we are.
Most Santa Rosa Beach 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 Santa Rosa Beach books carry referrals from Citizens Property Insurance Coastal Account adjusters who've watched our supplement requests stay tight and our certificates of completion match the original scope.
Hurricane Sally — September 16, 2020. Cat 2 at Gulf Shores AL landfall (~80 miles west), 105 mph sustained at landfall, surge of 2-4 ft on the 30A corridor. Walton County emergency operations recorded 8-15 inches of rainfall over 36 hours. Sally moved at 2-3 mph and dumped extraordinary rainfall along the 30A corridor; Rosemary Beach, Alys Beach, and Seaside saw drainage-system overload and inland water intrusion into ground-floor mechanical rooms that had never previously taken water.
From a general-construction standpoint, Sally reset Santa Rosa Beach's build standard. Code, materials, and inspection cycle all shifted in the 2020-2022 window, and Pro GC's general construction scope on Santa Rosa Beach addresses today still tracks against the post-Sally 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 Sally — September 16, 2020. Sally crawled ashore near Gulf Shores AL at 4:45 a.m. CDT as a Cat 2 with 105 mph winds, but the slow forward speed meant the entire Florida Panhandle east of the eye absorbed multi-day wind and water. In Santa Rosa Beach, Gulf Breeze in Santa Rosa County took widespread wind damage, storm surge flooding, and 20+ inches of rainfall in the first 24 hours and 30+ inches in 48 hours; the 30A enclaves to the east absorbed fringe-band wind and gulf-side rain. Florida DEP's official post-storm assessment covered six counties from Escambia east to Gulf, with Walton County specifically documented for beach erosion and dune-line scarp. Sally's $7.3 billion total damage estimate didn't capture the slow-grind impact on 30A — Rosemary Beach, Alys Beach, Seaside, and WaterColor avoided catastrophic loss but absorbed shingle, fascia, and dune-line damage that took the rest of the season to work through.
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.
Florida DEP's November 2020 post-storm coastal impact report and Northwest Florida Daily News coverage documented the impact summarized above. Sources consulted include the Northwest Florida Daily News and Walton Sun and federal/state post-storm assessments.
If you're reading this BEFORE a storm — not after — Pro GC publishes a complete preparation guide for Santa Rosa Beach: 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 Santa Rosa Beach 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 Citizens Property Insurance Coastal Account 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.
For Santa Rosa Beach jobs, mitigation is the first 3-7 days (extraction, drying, containment); restoration is the rebuild that follows. Pro GC carries the project through both under one carrier billing arc, which is the format Citizens Property Insurance Coastal Account prefers. 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.
Yes — Santa Rosa Beach / 30A is a regular Pro GC service area for major-loss insurance restoration. We work Rosemary Beach, Alys Beach, Seaside, WaterColor, WaterSound, Seacrest, Seagrove, Grayton Beach, Blue Mountain Beach, Dune Allen, Old Florida Village, and Inlet Beach with the design-sensitive standards New Urbanist communities require.
Rosemary Beach's cobblestone streets, Alys Beach's white-stucco modernism, Seaside's pastel coastal vernacular, and WaterColor's lakeside cottages each have distinct architectural standards reviewed by community ARCs. Pro GC works to each enclave's design standards and submits ARC documentation accordingly.
Yes — Hurricane Sally (2020) caused gulf-side wind and flooding across 30A; Hurricane Michael (2018) was a Cat 5 landfall just east at Mexico Beach with wind effects reaching Walton County. Pro GC has handled Panhandle storm scope including post-Sally rebuilds.
Yes — Pro GC bills Citizens Coastal Account, Tower Hill, Chubb Private Client (heavy concentration in Rosemary / Alys), AIG Private Client, Cincinnati Financial Private, PURE Insurance, and NFIP directly. 30A's enclave carrier mix demands ultra-premium documentation; our protocols meet those standards.
30A's vacation-rental inventory requires scheduling around peak-season bookings, coordination with property managers (Cottage Rental Agency, Rosemary Beach Cottage Rental, others), and documentation for both insurance and rental-platform compliance. Pro GC coordinates all three.
Pro GC serves the 32459 zip code covering Santa Rosa Beach and the entire 30A corridor in Walton County.
Walton County and the individual 30A community ARCs (Rosemary, Alys, Seaside, WaterColor) all have permit + design-review requirements for structural and exterior work. Pro GC's Florida CGC license + Walton County registration cover all required permits; we coordinate with community ARCs in parallel.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
Open 24/7 · Emergency Dispatch