Major-loss insurance rebuild GC in Sullivan's Island, SC ($25K+ scope). Pro GC deploys from Florida, partners with locally licensed subs. (239) 989-2430.
Hurricane Hugo (Sept 1989) Cat 4 GROUND ZERO landfall at Sullivan's Island — defining storm of the modern SC coast; Hurricane Ian (Sept 2022) offshore wind + surge; Hurricane Matthew (2016); Hurricane Dorian (2019); Hurricane Idalia (Aug 2023) offshore-but-major-surge
Building stock: Raised lowcountry SFH (mandatory pile/stem-wall per flood zone), elevated 'crawlspace' lowcountry vernacular, primary residence dominant (no short-term rentals allowed — highest owner-occupied % on SC coast), pre-Hugo legacy homes + post-Hugo rebuilds, modern luxury rebuilds
Carriers we document for: State Farm (heavy SC market share), USAA, Travelers, Allstate, Chubb Private Client, Cincinnati Financial Private, SC Wind & Hail Underwriting Association (Wind Pool) for coastal — most homes carry wind pool coverage separately
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.
Pro GC's general construction scope in Sullivan's Island runs from immediate emergency mitigation through full structural reconstruction under one Florida-licensed general contractor — billed directly to your carrier in Xactimate, documented to IICRC S500 / S520 protocol, and warrantied in writing. Typical scope elements: general construction, construction company, licensed general contractor, post-disaster reconstruction, insurance reconstruction contractor.
Median home value $1.8M-$3M; STRs prohibited = highest owner-occupied % on SC coast → primary-residence carrier mix dominates; Hugo 1989 anchor is the SC coast's strongest 'we know catastrophic storm' reference
Hurricane Hugo (1989 — Cat 4 DIRECT LANDFALL), Hurricane Ian (2022), Hurricane Idalia (2023), Hurricane Matthew (2016), Hurricane Dorian (2019)
Why this matters for your general construction claim: insurance carriers in Sullivan's 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.
Inside Sullivan's Island, general construction scope is shaped by the neighborhoods Pro GC actually walks. Atlantic Avenue sits on a different exposure profile than Sullivan's Island Lighthouse area — wind, surge, salt-air corrosion, and post-storm contractor access all read differently a few blocks apart. When we scope a job at I'On Avenue, we factor in the specific building stock there: raised lowcountry sfh (mandatory pile/stem-wall per flood zone) and the way that envelope holds — or fails — under the load profile Hurricane Hugo delivered.
Carrier dynamics shape general construction scope in Sullivan's Island more than people realize. State Farm carries most of the policy load here, and they pay against documentation — not narrative. Pro GC's scope is written as full-scope general contracting from foundation through final finish, billed under one license and one project manager, broken to line items, and tied back to Hurricane Hugo 1989 with timestamped photos and NOAA data so the adjuster has nothing left to ask for.
South Carolina licensing is a real factor on Sullivan's Island general construction jobs, and we don't paper over it. SC Residential Builder License (SCRB) — pending issuance, Pro GC operates via locally-licensed subcontractor partnership as permit-of-record. We coordinate with SC Department of Labor, Licensing and Regulation (LLR) and SCDHEC OCRM and pull permits through the locally-licensed partner who carries the permit-of-record on each job. The Beachfront Management Act setback and OCRM (Office of Ocean and Coastal Resource Management) permit requirements within the dead Atlantic Coastal Construction Control Line adds a layer most non-coastal restoration brands aren't tooled for; we are.
The Sullivan's Island general construction job that goes sideways usually goes sideways the same way: subcontractor coordination gaps that stall finish-out phases. We've seen the supplement requests come in from other contractors' work and rebuilt the scope correctly. Pro GC's FBC + local code-aligned protocol is the reason our supplement rate stays low and our Sullivan's Island repeat-customer rate stays high.
Hurricane Hugo — September 21-22, 1989. Cat 4 at landfall (exact landfall point), 140 mph sustained, 160+ mph gusts at landfall, surge of 10-17 ft on Sullivan's Island. Hugo's eye crossed directly over Sullivan's Island; the storm surge exceeded the previous 100-year record. Sullivan's Island is the closest thing modern American restoration has to a Category-4 case study; the post-Hugo BAR (Board of Architectural Review) protocols still govern Sullivan's Island rebuilds today, and most of the standing pre-1989 housing stock was destroyed or substantially rebuilt.
For general construction on the island, the Sullivan's Island Design Review Board ordinance — built on Secretary of the Interior historic-rehabilitation standards — governs height, impervious coverage, setback, and material selection on every project. Pro GC partners with a locally licensed permit-of-record subcontractor who knows the DRB submission calendar so projects don't stall waiting for the next monthly hearing.
Hurricane Hugo — September 22, 1989. Hugo came ashore on Sullivan's Island just after midnight September 22, 1989 as a Category 4 with 140 mph winds and a 12-foot storm surge that arrived at high tide — producing the highest storm tides ever recorded on the East Coast. In Sullivan's Island, every single building on Sullivan's Island sustained damage; the iconic Ben Sawyer Bridge — the only land connection to the mainland — was bent and twisted, with one end of the swing-bridge span left sticking straight up at a 90-degree angle, stuck in the open position. For months after the storm, residents could only access their homes by boat; sullivan's island and isle of palms combined for nearly $270 million in financial damage and an estimated 15,000–20,000 people in charleston county were left homeless. The islands took nearly five years to fully recover, with tourism beginning to slowly rebound after about two years; hugo's surge legacy reset building codes and is still the design-loading reference event for lowcountry barrier-island construction.
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 survey 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 Sullivan's 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.
For Sullivan's Island 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 State Farm 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.
Sullivan's Island-specific note: holding mitigation and restoration under one contractor matters in South Carolina because the South Carolina licensing partner stays consistent across phases, which keeps the permit and inspection chain clean. 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 as a Certified General Contractor (CGC). For SC residential work over $5,000, SC requires a Residential Builder License through the SC Department of Labor, Licensing and Regulation (LLR) — Residential Builders Commission. For Sullivan's Island major-loss restoration, Pro GC engages locally licensed SC Residential Builder subcontractors as permit-of-record and deploys our FL crew for scope execution under contract.
Pro GC's SW Florida base has handled Hurricane Ian 2022 (Cat 4 direct), Charley 2004 (Cat 4), Helene + Milton 2024 — multiple recent Cat 4-class catastrophic events. Sullivan's Island took Hugo's Cat 4 ground-zero landfall in 1989, and references that benchmark for storm-rebuild standards. Pro GC's deployed crews handle Hugo-comparable scope at Florida-pace.
Yes — Pro GC bills State Farm (heavy SC market share), USAA, Travelers, Allstate, Chubb Private Client, Cincinnati Financial Private, and the SC Wind & Hail Underwriting Association (Wind Pool) that most Sullivan's Island homes carry separately. Documentation uses 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.
Sullivan's Island prohibits short-term rentals = highest owner-occupied % on the SC coast. Restoration scope is therefore primary-residence focused — different displacement / ALE coordination than rental-heavy barrier islands. Pro GC documents the primary-residence ALE claim path.
Hugo's 1989 Cat 4 landfall at Sullivan's Island is the defining storm of the modern SC coast — Pro GC's FL home territory took Hurricane Andrew 1992 (Cat 5 Homestead) and Ian 2022 (Cat 4 direct), both Hugo-comparable benchmarks. The structural, surge, and rebuild scope is the same family.
Yes — Pro GC's Sullivan's Island service area covers Marshall Boulevard corridor, Middle Street, Atlantic Avenue, I'On Avenue, the Station 18 / Station 22 area, Sullivan's Island Lighthouse area, and Breach Inlet boundary with Isle of Palms.
28720 S Diesel Dr Unit 7
Bonita Springs, FL 34135
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