FEMA + Storm Permitting · Pinellas County
Recover Correctly.
Rebuild Intelligently.
Storm-repair documentation, FEMA planning, permitting, inspections, and reconstruction for coastal properties.
Florida Certified Building Contractor
CBC1267559
A Clear Path After the Storm
Every repair decision can affect the property’s compliance path.
Coastal recovery involves more than damaged finishes. The repair scope, structure value, prior improvements, floodplain rules, and permit record must be considered together.
Controlled Recovery
Dry, document, permit, inspect—then rebuild.
Storm repairs must be evaluated as a complete project. Concealed damage, drying, demolition, trades, cabinets, finishes, and code upgrades can all affect the submitted cost.
Understanding the Local 49% Rule
The structure value—not the land value—sets the working limit.
Use the value accepted by the applicable jurisdiction for substantial-damage or improvement review.
Include required labor, materials, contractor overhead and profit, and other applicable improvement costs.
Projects meeting the substantial-damage or improvement threshold can require full floodplain compliance.
Required Cost Transparency
The FEMA worksheet must reflect the real cost of contracting the work.
Applicable local substantial-damage and substantial-improvement worksheets require contractor overhead and profit to be included in the submitted project calculation.
The applicable local FEMA worksheet requires a minimum 15% contractor overhead and profit allowance. This is a required project cost—not an optional discount—and MDI includes it in the contract and submitted 49% calculation.
The Recovery Sequence
From documentation to permitted completion.
Repairing a Coastal Property?