Hurricane Damage Repair Built Around Your Carrier’s Estimate
CBC-licensed general contractor handling structural, envelope, and interior hurricane repairs across Southwest Florida — with Xactimate line-item pricing your adjuster recognizes on sight.
You need a contractor who can document, scope, and rebuild — not three different vendors
When the wind stops, the work splits in three directions: get the building dried in, document what happened so the carrier pays for it, and rebuild to current Florida code. Most homeowners and property managers end up juggling a tarp crew, a public adjuster, an engineer, and a remodeler — each pointing at the other when something goes wrong. We handle the rebuild side as one accountable general contractor, working from your insurance carrier’s Xactimate scope (or producing one of our own when the carrier’s is short). The result is a single point of contact, a single contract, and a paper trail your adjuster, lender, and HOA can all follow.
What hurricane damage repair includes
- Emergency board-up, tarping, and temporary weatherproofing within 24-48 hours of access
- Full visual and moisture-meter damage assessment with photo documentation for the carrier file
- Xactimate scope review — line-by-line comparison to your carrier’s estimate, with supplements where coverage is short
- Structural repairs: trusses, sheathing, exterior walls, soffit, fascia, and load-bearing wall reframing
- Building envelope: roof replacement coordination, hurricane-rated windows and doors, stucco, siding
- Interior rebuild: drywall, insulation, flooring, paint, cabinetry, trim — back to pre-loss condition or better
- Permitting through Sarasota and Charlotte County building departments, including wind-mitigation re-inspection
- Final carrier walk-through with completion photos and certificate of completion for your closeout file
Our hurricane damage repair process
- 01
Emergency stabilization
Tarp, board-up, and water mitigation coordination so the loss stops getting worse while paperwork catches up.
- 02
Documented assessment
On-site inspection with photos, moisture readings, and a written scope of work matched to Xactimate line items.
- 03
Carrier coordination
We meet your adjuster on site, reconcile our scope against theirs, and submit supplements where the estimate is short.
- 04
Permitted rebuild
Permits pulled, subs scheduled, work executed to current Florida Building Code with daily progress updates.
- 05
Final closeout
Carrier walk-through, certificate of completion, lien releases, and a clean file for your records.
Why owners pick us for hurricane repairs
CBC 1258403, Florida CBC since 2002
Xactimate-fluent scoping
Hospitality-grade hurricane track record
Hurricane damage repair — common questions
Do I need to file my insurance claim before I call you?
No — most owners call us first. We can document the loss, do a tarp and dry-in, and put together a contractor scope that supports your claim. Filing the claim itself is between you and your carrier; we don’t act as a public adjuster or give insurance advice.
My carrier’s estimate is way lower than your bid. What happens?
That’s normal on hurricane losses. We submit a supplement that walks the carrier through the missing line items — code-required upgrades, hidden damage found during demo, current Southwest Florida labor and material pricing. Supplements are part of the job, not a fight.
What’s the difference between ACV and RCV on my policy?
Actual Cash Value pays for the depreciated value of what was damaged. Replacement Cost Value pays the full cost to replace it, usually in two checks — first the ACV, then the depreciation when the work is complete. Most policies are RCV; check your declarations page or ask your agent.
How long until you can start?
Emergency board-up and tarping within 24-48 hours of access. Full rebuild start depends on carrier approval, permits, and material lead times — typically 3-6 weeks after the contract is signed for residential, longer for structural commercial work.
Do you handle the permits?
Yes. We pull permits through the local building department — Sarasota County, Charlotte County, or municipal as required — and coordinate inspections. You don’t deal with the county.
Will repairs bring my home up to current code?
Repairs are done to current Florida Building Code. Where your policy includes Ordinance & Law (Coverage L) endorsement, code-required upgrades are typically covered. Where it doesn’t, we’ll show you the cost delta in writing before any change order.
Related Services
Storm damage at your property? Let’s document it today.
Schedule a no-cost site visit. We’ll inspect, photograph, and give you a scope your carrier can act on.