Major-loss insurance rebuild GC in Kiawah Island, SC ($25K+ scope). Pro GC deploys from Florida, partners with locally licensed subs. (239) 989-2430.
Hurricane Ian (Sept 2022) major surge + wind, Hurricane Idalia (Aug 2023) offshore-but-major-surge, Hurricane Matthew (2016), Hurricane Hugo (1989 — legacy reference); Atlantic-side erosion + salt corrosion
Building stock: Ultra-luxury pile-elevated SFH, golf-resort housing throughout Kiawah Island Club, gated barrier-island construction with strict ARC review, heavy second-home (75%+), impact-rated coastal everything, premium private-club residences
Carriers we document for: Chubb Private Client (heavy concentration), AIG Private Client Group, Cincinnati Financial Private, PURE Insurance, State Farm, USAA, 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 Kiawah Island 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 Kiawah Island Club and similar Kiawah Island addresses through the Hurricane Ian 2022 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 $1.77M; gated private-island ARC review adds scope complexity; ultra-premium private-client carrier documentation standard; golf-resort housing has unique coordination requirements with Kiawah Island Club
Hurricane Ian (2022), Hurricane Idalia (2023), Hurricane Matthew (2016), Hurricane Hugo (1989 — major SC coast legacy)
Why this matters for your general construction claim: insurance carriers in Kiawah Island 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 general construction crews working Kiawah Island address the neighborhoods individually. Ocean Park (ultra-luxury pile-elevated sfh) reacts to wind and water load differently from The Settlement, and our scope reflects that. We've put hands on similar structures during the Hurricane Ian 2022 aftermath and know where the envelope tends to give up first.
Permit sequencing and inspection scheduling is where most Kiawah Island general construction claims actually live or die. Chubb Private Client 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 Ian 2022 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 Chubb Private Client adjusters actually pay against.
Pro GC's licensing footprint for Kiawah Island works through SC Residential Builder License (SCRB). The local-permit reality — Beachfront Management Act setback and OCRM (Office of Ocean and Coastal Resource Management) permit requirements within the dead Atlantic Coastal Construction Control Line — gets handled by a licensed local subcontractor as permit-of-record, which means Kiawah Island projects don't stall waiting for inspections inside an unfamiliar jurisdiction. We carry the Florida CGC, the IICRC certifications (FBC + local code), and the EPA Lead-Safe RRP across state lines.
What goes wrong on Kiawah Island general construction jobs when the wrong contractor takes them: subcontractor coordination gaps that stall finish-out phases. 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 FBC + local code discipline gets the scope right the first time, which is why our Kiawah Island project list stays heavy on referrals from carriers who've watched us close clean claims.
Hurricane Matthew — October 8, 2016. Cat 1 paralleling SC coast offshore, 75-90 mph sustained on Kiawah, surge of 5-7 ft on Kiawah's Atlantic frontage. Kiawah recorded sustained tropical-storm to Cat-1 conditions for 12+ hours during Matthew's offshore passage. Matthew didn't make landfall but its proximity stripped beach + dune from Kiawah's eastern beachfront and put oceanfront estates into insurance scope review. The 2016 Matthew claims set the modern Kiawah/Seabrook expectation for surge documentation and erosion-related scope.
For general construction in Kiawah Island, the post-Matthew permit + inspection environment is the operational reality every contractor here has to plan around. Pro GC's scope sequencing on Kiawah Island jobs includes the realistic permit-to-CO timeline, the Kiawah Island-specific inspection holds, and the materials lead-time the post-Matthew supply-chain pattern still imposes.
Hurricane Ian — September 30, 2022. Ian made a second US landfall on Sept 30, 2022 near Georgetown SC and brushed the Charleston barrier islands with tropical-storm-force wind and a 2-4 foot surge on top of an astronomically high tide. In Kiawah Island, the western end of Kiawah saw as little as 5 feet of beach erosion, but the eastern end near the Ocean Course lost up to 50 feet of beach — the kind of asymmetric scope that's hard to budget for; one boardwalk took minor structural damage and there were no significant dune breaches. Idalia's August 2023 follow-on storm produced 53 mph gusts, 4 inches of rain, and over 7 feet of high tide stacked on 2.35 feet of surge inundation, closing multiple island roadways and re-triggering the same eastern-end erosion pattern. Kiawah's experience with back-to-back Ian and Idalia events shows the modern SC coastal pattern: limited single-event catastrophic loss, but cumulative dune-line erosion and recurring soft-tissue damage that demand a maintenance posture, not a one-and-done rebuild posture.
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 hurricane wire, Kiawah Island Community Association updates, and the South Carolina State Climatology Office Ian report documented the impact summarized above. Sources consulted include the Post and Courier and KICA community updates and federal/state post-storm assessments.
If you're reading this BEFORE a storm — not after — Pro GC publishes a complete preparation guide for Kiawah Island: 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.
Cost in Kiawah Island skews higher than inland averages — coastal-access logistics, Chubb Private Client carrier-grade documentation, and the post-Hurricane Ian supplement environment all factor in. Pro GC bills in Xactimate against carrier-approved unit rates, not lump-sum. 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 Kiawah Island 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 Chubb Private Client 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.
Pro GC is licensed in Florida (Certified General Contractor). For SC residential work over $5,000, Pro GC engages locally licensed SC Residential Builder subcontractors as permit-of-record through SC LLR and deploys our FL crew for scope execution.
Pro GC's SW Florida base has handled Cat 4 catastrophic-loss events and ultra-premium private-client carrier documentation across Captiva, Sanibel, Naples Port Royal, and Jupiter Island. Kiawah Island's gated private-club barrier-island construction, golf-resort housing, and Chubb Private Client / AIG Private Client carrier mix all match scenarios Pro GC handles daily.
Yes — Pro GC bills Chubb Private Client (heavy Kiawah concentration), AIG Private Client Group, Cincinnati Financial Private, PURE Insurance, State Farm, USAA, and SC Wind & Hail Underwriting Association (Wind Pool) directly via Xactimate. Documentation meets ultra-premium private-client standards.
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.
Kiawah took Ian 2022 major surge + wind, Idalia 2023 offshore-but-major-surge, Matthew 2016, plus the Hugo 1989 SC coast legacy reference. Many rebuilds remain in supplement-claim phase. Pro GC's deployed-crew experience covers comparable Atlantic-side storm scope.
Yes — Pro GC's Kiawah service area covers Kiawah Island Club, The Settlement, Ocean Park, Cassique, Vanderhorst, East Beach Village, West Beach Village, Marsh Walk, Turtle Point, and Osprey Point.
Kiawah's gated private-island ARC review requires detailed material specifications, color samples, and design review for exterior work. Pro GC handles ARC documentation in coordination with locally licensed SC Residential Builder permit-of-record subcontractors.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
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