Major-loss insurance hurricane restoration in Sullivan's Island, SC ($25K+ scope). Pro GC deploys from Florida + partners with local subs. 24/7 emergency. (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 hurricane / storm damage response 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: storm damage repair, storm damage restoration, hurricane damage restoration, emergency storm response, emergency board up.
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 hurricane / storm damage response 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, hurricane and storm damage response scope is shaped by the neighborhoods Pro GC actually walks. Atlantic Avenue sits on a different exposure profile than Middle Street — wind, surge, salt-air corrosion, and post-storm contractor access all read differently a few blocks apart. When we scope a job at Marshall Boulevard corridor, 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.
The hard part of a hurricane and storm damage response claim in Sullivan's Island isn't the work — it's hurricane-deductible carrier filing. State Farm 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 Hugo 1989 ground-truth, and a roof tarping, exterior envelope stabilization, water intrusion mitigation, debris removal, and full structural rebuild under the named-storm claim breakout written in line items that match the carrier's Xactimate template rather than generic 'storm damage' shorthand.
On the licensing side: SC Residential Builder License (SCRB) — pending issuance, Pro GC operates via locally-licensed subcontractor partnership as permit-of-record. Sullivan's Island 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 Sullivan's Island hurricane and storm damage response re-do calls trace to one root cause: tarping windows getting blown off within 72 hours when contractors use the wrong staple pattern. Pro GC's scope discipline (IICRC S500/S520) eliminates that failure mode at the diagnosis stage. Our Sullivan's Island 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 (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 hurricane response, the Sullivan's Island DRB and Beachfront Management Act setback override the standard FL-style emergency-rebuild assumptions. Pro GC's response protocol on the island runs the emergency dry-in within DRB-acceptable materials so the temporary tarp-and-shore work doesn't itself trigger a board violation that complicates the eventual permanent permit.
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 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 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.
For Sullivan's Island, the canonical reference event is 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. The damage profile that Hurricane Hugo produced 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 - maps directly to the six failure modes below, ordered by typical Sullivan's Island storm scope. Coverage answers reference SC Wind & Hail Underwriting Association, State Farm, USAA, Auto-Owners, NFIP for flood; SC Wind & Hail Underwriting Association is the primary wind carrier for Sullivan's; State Farm + USAA + Chubb Private Client (for historic-district premium homes) handle the homeowners side.
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 Sullivan's Island →
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 Sullivan's Island →
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 Sullivan's Island →
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 Sullivan's Island →
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 Sullivan's Island →
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 Sullivan's Island →
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 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
Open 24/7 · Emergency Dispatch