Location is what drew Russell Lambert and his wife to buy their house in 1997, and location is what destroyed it. Perched on 6-foot pilings, the Pensacola, Fla., townhouse took in great views of Escambia Bay, but on Sept. 16, 2004, it took in some of the bay itself when Hurricane Ivan crashed through, packing winds so powerful that 25-foot waves from the bay barreled into the first floor of the house. "The lower floor was completely gone," Lambert says.

JETT Construction beefed up the framing to support the new sunroom and adjacent elevator tower. The back stairs were designed to share a landing with the neighbors.

Lambert had first hired JETT in 1992 to repair fire damage to a rental property, drawing the Pensacola company's name from the preferred contractor list provided by his insurance company, USAA. "They did good work," says Lambert. Six months before Ivan, JETT completed a second job for Lambert, repairing damage from a broken pipe in his house.

Naturally he called JETT after Ivan. "I trusted them," he says. But others beat him to it. "I was inundated with prior clients asking us to help with repairs," says co-owner Jeff Jackson. "I told Mr. Lambert it would be quite a while before we could help him."

In addition to the hurricane repair, Lambert planned to convert a second-floor porch to a sunroom, install an elevator and finish a bottom floor studio and bath. The first contractor started the house, then went on vacation in summer 2005 without installing the sunroom windows or adequately boarding up the openings. When Hurricane Dennis hit in July 2005, water again poured in. "We lost the top two floors and the chimney," Lambert says.

Hurricane Ivan gutted the ground floor of the Lamberts' house and Hurricane Dennis drenched the walls and ceilings of the upper floors.

The company started on the house in August 2005. Two weeks later, Katrina slammed the coast west of Pensacola, drawing JETT's subcontractors from the area. Suddenly the company, which subs all its work, had far fewer crews. But after calling around for two weeks, Jackson rounded up a group. JETT was back in action on the Lambert house by October 2005 and completed the job in February.

Hurricane Ivan had "pretty much blown out the bottom floor," says Jackson. "It was a shell." All the contents were gone, and the water had pushed a car 100 yards out of the garage. Interior breakaway walls performed as designed, detaching to allow the flood waters to flow through, which limited resistance and structural damage. JETT framed new walls, installed drywall, enclosed a storeroom to create a studio and finished the bathroom.

Above the breakaway walls, the Mexican-tile-covered second floor sank 34 inch. JETT shored up and re-leveled it, salvaging all the tiles. They "held up very well," says Jackson, because they had been laid over cement board.

Though the second floor had to be jacked up and re-leveled after the storm, all the Mexican tiles remained intact. The sunroom overlooking Escambia Bay replaces a porch. Ivan knocked out sections of the I-10 bridge a quarter mile away.

"We added a lot of framing in back," says JETT co-owner Kyle Biles. Some of the framing supports the new sunroom JETT completed, and some shores up the elevator shaft JETT built. (Because the house sits on pilings, the shaft had no concrete slab.) During construction the shaft developed "a water intrusion issue," says Jackson. "We beefed up the flashing and closed the seams" to seal the shaft, he says.

The ground under the concrete front steps had been washed out, so JETT re-leveled it. The wood stairs at the back of the house were also gone, so JETT built new stairs and decks, coordinating efforts with the new contractor working next door to tie in the back staircases for the two homes.

The Lamberts' house looked so good after the insurance repair - with new siding, roofing, entry columns, trim, and re-leveled, brick-paved concrete steps - that it attracted a buyer a month after completion.

Other parts of the house "had wide, ornate baseboard and trim that we had to match up" when damaged sections were replaced, says Biles. JETT found the same molding at a local supplier, but that solved only half the problem; the existing trim was stain grade and had been stained years earlier. "Stain changes color after a couple of years on a wall," says Biles. "We had to stain [the new trim] three or four times and blend stains" to match the older pieces.

All things considered, the Lambert project was pretty low-stress. Jackson and Biles accepted the job because the odds were good that it would be. "We were juggling 20 jobs" in the wake of Ivan, says Biles, "but it could have been 100 jobs. We weren't going to take more than we could handle."

Biles and Jackson have become very selective about what insurance projects to take on. JETT has five selection criteria:

1. History. "Our prior customers always come first," says Biles.
2. Worthiness. "The job needs to be good size," says Jackson.
3. Location. It needs to be no more than 20 miles from JETT's headquarters.
4. Efficiency. Jobs referred by neighbors, i.e. jobs that can be bundled with others for efficient production, are good choices.
5. Communication. "Because many insurance companies can be difficult to deal with, we prefer to work directly with customers" on estimates and payments, says Biles.

JETT used this criteria in all 20 Ivan jobs. USAA settled directly with Lambert after Ivan and Dennis, and a finance company held most of the money, releasing it at his request in three draws.

Lambert has had enough of insurance repair stress, too. A month after JETT completed the work on his house, he sold it and moved to Texas. He left hurricane territory and its worries behind, but kept the water view. "I have water in the backyard," he says. "My pool."