Major-loss insurance rebuild GC in Isle of Palms, SC ($25K+ scope). Pro GC deploys from Florida, partners with locally licensed subs. (239) 989-2430.
Hurricane Hugo (1989) Cat 4 — IOP took the full landfall impact alongside Sullivan's; Hurricane Ian (2022) wind + surge; Hurricane Idalia (2023) offshore + surge; Hurricane Matthew (2016); chronic Atlantic erosion + salt-air
Building stock: Pile-elevated coastal SFH, Wild Dunes Resort luxury homes + condos, traditional and modern beach cottages, mix primary residence + second-home + STR-permitted (unlike neighboring Sullivan's), impact-rated coastal construction
Carriers we document for: State Farm, USAA, Travelers, Allstate, Chubb Private Client, AIG Private Client (Wild Dunes), Cincinnati Financial Private, SC Wind & Hail Underwriting Association (Wind Pool)
Pro GC is licensed in Florida as a Certified General Contractor (CGC). For projects in South Carolina, Pro GC has filed for direct SC Residential Builder License licensure with the SC Residential Builders Commission; pending issuance, Pro GC operates via locally-licensed South 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 SC Residential Builder License is $5,000+ residential, which Pro GC's $25K+ major-loss project floor exceeds.
For Isle of Palms jobs that clear the $25K insurance major-loss threshold, Pro GC's general construction scope is the full-cycle deliverable — intake, mitigation, restoration, certificate — under one Florida-licensed GC. We've run this scope on Wild Dunes Resort and similar Isle of Palms addresses through the Hurricane Hugo 1989 cycle and the rebuild phases that followed. Typical scope elements: general construction, construction company, licensed general contractor, post-disaster reconstruction, insurance reconstruction contractor.
Median home value $893K-$2.66M depending on beachfront/Wild Dunes; STR-permitted = broader carrier + rental-platform coordination than Sullivan's; Hugo legacy + recent Ian + Idalia scope
Hurricane Hugo (1989 — direct Cat 4 landfall), Hurricane Ian (2022), Hurricane Idalia (2023), Hurricane Matthew (2016), Hurricane Dorian (2019)
Why this matters for your general construction claim: insurance carriers in Isle of Palms 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.
General Construction in Isle of Palms isn't a one-template job. Dewees Inlet (north end) construction tends toward pile-elevated coastal sfh, while Front Beach carry wild dunes resort luxury homes + condos. Pro GC's scope at each address starts with envelope diagnosis and the failure mode the Hurricane Hugo event timeline implies — not a flat per-square-foot estimate generated off a ZIP code.
Permit sequencing and inspection scheduling is where most Isle of Palms general construction claims actually live or die. State Farm is the dominant carrier on this section of the coast, and they expect documentation tied to the specific named-storm timeline — not generic 'storm damage' line items. Pro GC's intake protocol references Hurricane Hugo 1989 when the timeline supports it, attaches NOAA observation data for the closest reporting station, and breaks full-scope general contracting from foundation through final finish, billed under one license and one project manager into the line-item structure State Farm adjusters actually pay against.
On the licensing side: SC Residential Builder License (SCRB) — pending issuance, Pro GC operates via locally-licensed subcontractor partnership as permit-of-record. Isle of Palms sits inside SC Department of Labor, Licensing and Regulation (LLR) and SCDHEC OCRM's jurisdiction, and the Beachfront Management Act setback and OCRM (Office of Ocean and Coastal Resource Management) permit requirements within the dead Atlantic Coastal Construction Control Line 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 Isle of Palms 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 Isle of Palms books carry referrals from State Farm adjusters who've watched our supplement requests stay tight and our certificates of completion match the original scope.
Hurricane Hugo — September 21-22, 1989. Cat 4 at landfall (directly on Isle of Palms / Sullivan's Island), 140 mph sustained at landfall, surge of 10-15 ft on Isle of Palms beachfront. Hugo's landfall point split between Isle of Palms and Sullivan's Island; entire neighborhoods on the front beach were destroyed. Hugo is the defining storm in Isle of Palms construction history; the post-Hugo era introduced pile-elevated coastal building requirements, impact-rated openings, and the modern OCRM critical-line setback. Subsequent storms (Charley 2004, Matthew 2016, Ian 2022) tested the post-Hugo build standard.
For general construction on IOP, the post-Hugo OCRM Beachfront Management Act setback and the FEMA flood-zone V/VE pile-foundation requirement govern everything seaward of the dune line. Pro GC partners with a locally licensed permit-of-record subcontractor who knows IOP's permit cadence so projects don't stall in the engineered-foundation review phase.
Hurricane Hugo — September 22, 1989. Hugo touched down on Isle of Palms and Sullivan's Island just after midnight September 22, 1989 with Cat 4 winds estimated at 135-140 mph and an 11-foot storm surge that arrived at high tide. In Isle of Palms, the 11-foot storm surge destroyed the Isle of Palms fishing pier and many beachfront homes outright; some posh multi-story homes were literally flattened, while others moved seemingly intact up to 100 feet off their foundations. The ben sawyer bridge — the primary access path from the mainland through sullivan's island to iop — was bent into a 90-degree angle and stuck open, leaving boat as the only way back to the island for months. Isle of Palms and Sullivan's Island combined for nearly $270M in damage; the long recovery cycle ran roughly five years to fully rebuild, with tourism returning meaningfully only after year two.
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.
Post and Courier archives, Charleston County Public Library Hugo collection, and NWS Charleston post-storm summary documented the impact summarized above. Sources consulted include the Post and Courier and federal/state post-storm assessments.
If you're reading this BEFORE a storm — not after — Pro GC publishes a complete preparation guide for Isle of Palms: 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.
Isle of Palms cost reality: the dominant carrier mix here (State Farm leads) pays line items in Xactimate, not lump sums. Pro GC's general construction scope is broken into the unit-rate format the carrier already approves against. 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 Isle of Palms, 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 (Certified General Contractor). For SC residential work over $5,000, SC requires a Residential Builder License through SC LLR Residential Builders Commission. For Isle of Palms major-loss restoration, Pro GC engages locally licensed SC Residential Builder 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. Isle of Palms took Hugo's Cat 4 landfall in 1989 alongside Sullivan's, Ian 2022 wind + surge, and Idalia 2023. Pro GC's deployed crews handle Hugo-comparable catastrophic scope and have current experience with Ian + Idalia scope.
Yes — Pro GC bills State Farm, USAA, Travelers, Allstate, Chubb Private Client, AIG Private Client (Wild Dunes), Cincinnati Financial Private, and SC Wind & Hail Underwriting Association (Wind Pool) directly via Xactimate.
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 Charleston-area GCs.
Hugo 1989 Cat 4 landfall and Ian 2022 + Idalia 2023 surge events all impacted Isle of Palms. Pro GC's deployed-crew experience covers Cat 4 catastrophic scope, and we're current on Ian + Idalia documentation requirements from our home FL territory.
Yes — Pro GC's IOP service area covers Wild Dunes Resort, Front Beach, 21st Avenue corridor, Palm Boulevard, Beachwood East / Beachwood West, Breach Inlet (south), Dewees Inlet (north), and Carolina Boulevard.
IOP permits short-term rentals (unlike Sullivan's). Pro GC schedules around peak-season bookings, coordinates with property managers and rental platforms, and documents work for both insurance and rental-platform compliance.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
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