Major-loss insurance hurricane restoration in Isle of Palms, SC ($25K+ scope). Pro GC deploys from Florida + partners with local subs. 24/7 emergency. (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.
In Isle of Palms, hurricane and storm damage response scope under the Pro GC contract starts at the $25K insurance major-loss floor and extends through full structural reconstruction. The deliverable on a typical Wild Dunes Resort-area job: same contractor on the moisture-mapping intake, the IICRC-protocol mitigation, the State Farm-aligned Xactimate scope, and the rebuild — billed direct to your carrier, warrantied in writing. Typical scope elements: storm damage repair, storm damage restoration, hurricane damage restoration, emergency storm response, emergency board up.
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 hurricane / storm damage response 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.
Pro GC's hurricane and storm damage response crews working Isle of Palms address the neighborhoods individually. Breach Inlet (south end) (pile-elevated coastal sfh) reacts to wind and water load differently from Wild Dunes Resort, and our scope reflects that. We've put hands on similar structures during the Hurricane Hugo 1989 aftermath and know where the envelope tends to give up first.
Hurricane-deductible carrier filing is where most Isle of Palms hurricane and storm damage response 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 roof tarping, exterior envelope stabilization, water intrusion mitigation, debris removal, and full structural rebuild under the named-storm claim 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.
What goes wrong on Isle of Palms 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 Isle of Palms project list stays heavy on referrals from carriers who've watched us close clean claims.
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 hurricane response on IOP, the engineered tie-down strapping, hurricane clips, and impact-rated openings that came in post-Hugo are now 30+ years old and reaching their service-life inspection window. Pro GC's emergency-response scope writes the structural-connection inspection into the temporary-repair phase so the carrier file documents the connection-system condition before the permanent rebuild.
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 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.
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.
For Isle of Palms, the canonical reference event is 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. The damage profile that Hurricane Hugo produced 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 - maps directly to the six failure modes below, ordered by typical Isle of Palms storm scope. Coverage answers reference SC Wind & Hail Underwriting Association, State Farm, USAA, Auto-Owners, NFIP for flood; SC Wind & Hail Underwriting Association handles wind for IOP; Chubb Private Client, AIG, and PURE dominate the oceanfront luxury market; NFIP V/VE for oceanfront, AE for interior.
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 Isle of Palms →
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 Isle of Palms →
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 Isle of Palms →
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 Isle of Palms →
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 Isle of Palms →
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 Isle of Palms →
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 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
Open 24/7 · Emergency Dispatch