Selling a Fire-Damaged House in Jacksonville FL After Insurance Payout

1. The Storm, the Call, and the Charred Shell: Walking a Jacksonville Fire-Damaged Home

An intense summer thunderstorm was rolling across Duval County when I pulled up outside a quiet residential home in Jacksonville. Torrential rain was drumming against the pavement and lightning flashed across the sky.

I was there to inspect a property that had suffered a catastrophic structure fire.

The homeowner had contacted our team through our website at We Buy Any House In Florida. He held the property as a rental investment. One evening, an electric vehicle charging in the garage suffered thermal runaway. The vehicle ignited, turning the garage into an inferno. Flames burned straight through the drywall ceiling, ignited the roof trusses, and punched a large hole through the roof decking.

While the Jacksonville Fire and Rescue Department responded quickly and contained the flames, toxic smoke, soot, and intense heat had circulated throughout every square foot of the living space.

Stepping inside, the contrast between the past and present was striking. The house had clearly been cherished and well cared for. In one hallway, a framed plaque read: 'A house is made of walls and beams. A home is made of love and dreams.'

Walking further into the primary bedroom suite and rear living room, you could see that the owner had recently invested in beautiful craftsmanship. The master bathroom featured modern custom tile work, stylish vanities, and contemporary plumbing trim. Yet every square inch of that recent remodel was coated in greasy soot, water damage from fire hoses, and toxic fallout. It is heartbreaking to see months of hard work and thousands of dollars wiped out in minutes by a sudden casualty.

Today, that home stood as an uninhabitable, soot-blackened shell. Every surface was coated in oily residue. The garage ceiling was completely open to the charred trusses and sky above. Wiring had melted, plumbing lines were damaged, and the smell of burnt plastic filled the air.

While taking photos with my Sony GPS camera, my phone rang. It was another stressed homeowner calling from Orange Park near the mall, dealing with an ongoing two-year insurance dispute after roof water damage. That call served as a clear reminder of how draining property casualties and insurance bureaucracy can be for Florida homeowners.

The owner of this Jacksonville property had reached a turning point. His insurer had completed its claim investigation and delivered a settlement check. He now faced an important choice: spend twelve to eighteen months managing contractors, city permits, and structural restoration, or sell the damaged home as-is for cash, keep the insurance payout, and walk away clean.

Here is an honest breakdown of fire damage realities in Jacksonville, how insurance checks work with mortgage lenders, the true cost of remediation, and how to evaluate your best path forward.

2. The Anatomy of an EV Garage Fire: Heat, Toxic Smoke, and Roof Breaches

To understand why a fire-damaged home requires extensive rehabilitation, you must understand the intensity of garage fires, especially those involving lithium-ion electric vehicle batteries.

Thermal runaway occurs when a lithium-ion battery cell suffers an internal short, manufacturing defect, or charging malfunction. Under these conditions, temperatures inside the battery pack can spike past 1,200 degrees Fahrenheit in minutes. Unlike conventional engine fires that can be extinguished with standard water or chemical extinguishers, thermal runaway creates an exothermic chemical reaction that produces its own oxygen, sustaining intense combustion that standard home fire suppression cannot quench.

Under the Florida Fire Prevention Code and NFPA 855 standards for energy storage systems, residential garage fires present severe challenges. In this Jacksonville residence, several structural vulnerabilities came into play:

1. The Garage Ceiling Breach
2. Under Florida Building Code Residential Section R302.6, garages require a minimum of 1/2-inch gypsum drywall separation between the garage and habitable rooms, or 5/8-inch Type X board beneath living spaces. While standard drywall provides thirty to sixty minutes of resistance against typical wood and fabric fires, the extreme localized thermal intensity of an EV battery fire burns through ordinary sheetrock rapidly.

1. Attic Infiltration and Roof Decking Destruction
2. Once flames breached the ceiling, they entered the open attic space. The attic acted as a natural chimney flue. Superheated air and flames traveled along the roof trusses, charring structural lumber and incinerating plywood roof decking. Firefighters had to cut ventilation openings through the roof to release superheated gases, leaving roof breaches exposed to Florida weather.

1. Utility and Mechanical System Destruction
2. Jacksonville garages house critical residential utilities that suffered severe thermal damage:
3. Water Heater: The electric water heater stood along the garage wall. Plastic fittings, expansion tanks, and wiring melted, while copper and PEX lines experienced extreme thermal stress and joint separation.
4. Electrical Main Service: The garage contained sub-panels and primary service conduit. High heat annealed copper conductors, melted PVC conduit, and fused wiring junctions inside wall cavities.
5. Garage Door Assemblies: High-tension torsion springs lost their metallurgical temper from heat, becoming brittle and dangerous, while motorized openers melted into plastic heaps.

1. Pressurized Toxic Smoke Distribution
2. Even though active flames stayed largely in the garage and attic, natural convective air currents forced heavy smoke through interior door gaps and HVAC return grilles. Within twenty minutes, greasy soot permeated every bedroom, closet, and living space.

3. The Hidden Hazard: Why Soot, Acrid Smoke, and Acidic Residues Destroy Homes

When walking through a fire-damaged house, most people focus entirely on charred lumber. They see burnt roof rafters and assume replacing a few boards resolves the issue.

In truth, active fire creates only part of the loss. The wider, more expensive destruction stems from smoke, soot, and acidic gases.

Smoke is a toxic aerosol of vaporized synthetic compounds, carbon ash, and corrosive acids. Modern homes are filled with petroleum-based materials: polyurethane foam cushions, nylon carpeting, laminate cabinets, vinyl flooring, and plastic appliances. Burning synthetics creates aggressive chemical residues:

1. Wet Smoke Versus Dry Smoke Residues
2. Dry Smoke: Produced by fast-burning, high-temperature wood fires. It leaves dry, powdery soot that vacuums relatively easily from hard surfaces.
3. Wet Smoke: Produced by oxygen-starved synthetic and rubber fires at lower temperatures. It leaves thick, greasy, pungent soot that smears upon touch. The EV battery, rubber tires, and synthetic vehicle interiors created oily wet smoke that bonded chemically to every surface.

1. Acidic Corrosion of Metal and Glass
2. Within forty-eight hours, acidic soot begins pitting chrome faucets, stainless steel appliances, electrical contacts, and copper pipes. Left untreated, soot etches glass window panes and porcelain fixtures, creating permanent cloudiness that cannot be cleaned away.

1. Deep Penetration into Porous Building Materials
2. Soot particles measure 0.1 to 4 microns, penetrating microscopic pores in building assemblies:
3. Drywall and Plaster: Drywall gypsum cores absorb smoke odors deeply. Painting over soot-damaged drywall simply traps odor until summer humidity draws it back out.
4. Popcorn and Textured Ceilings: Textured ceilings trap heavy particulate matter and must be stripped to the framing.
5. Attic Insulation: Blown cellulose and fiberglass insulation trap thousands of pounds of toxic ash and must be vacuumed out completely.

1. Health Hazards and Volatile Organic Compounds (VOCs)
2. Smoke residues contain hazardous carcinogens including polycyclic aromatic hydrocarbons (PAHs), dioxins, and benzene. Under IICRC standards for fire and smoke restoration, proper remediation requires stripping contaminated materials down to bare framing and applying specialized encapsulation sealants.

4. The Insurance Payout Reality: ACV vs. RCV and the Lender Escrow Trap

For the owner of this Jacksonville property, the first major hurdle was navigating the property insurance claim.

Managing a structural fire claim in Florida requires an understanding of policy valuations, statutory claims handling rules, and mortgage lender escrow procedures:

1. Actual Cash Value (ACV) Versus Replacement Cost Value (RCV)
2. Most Florida homeowner policies (such as HO-3 homeowner or DP-3 dwelling policies) provide Replacement Cost coverage, but payouts do not arrive all at once:
3. Actual Cash Value (ACV): The carrier calculates total restoration costs, then deducts substantial depreciation based on the age of roof, cabinets, and finishes. The insurer releases an initial ACV check minus the deductible.
4. Recoverable Depreciation (RCV Holdback): The carrier holds the remaining depreciation until the owner completes all repairs, submits paid contractor invoices, and passes insurance re-inspections.
5. Florida Prompt Payment Rules: Under Florida Statute Section 627.70131, insurers must pay or deny claims within sixty to ninety days of receiving proof of loss statements, but disputes over actual scope of repair routinely create months of friction.

1. Ordinance or Law Coverage (Code Upgrades)
2. Older Jacksonville properties often face an expensive insurance gap regarding building codes. Standard policies provide basic dwelling coverage, but rebuilding often requires compliance with updated Florida Building Code mandates. If a policy lacks adequate Ordinance or Law coverage (Coverage B / endorsement), the homeowner must pay for mandatory code upgrades out of pocket.

1. The Two-Party Check and Lender Escrow Accounts
2. If a mortgage exists on the property, the insurance check is made payable jointly to the homeowner and the mortgage servicer:
3. Escrow Deposit: The check must be endorsed and sent to the servicer loss draft department, where funds sit in a restricted escrow account.
4. Milestone Disbursals: The lender releases money in staged draws (typically 25% or 33%) as construction hits verifiable milestones.
5. Draw Inspections: The bank dispatches third-party inspectors to confirm progress before issuing subsequent funds.
6. Cash Flow Delays: When contractors demand upfront deposits for materials, owners often get caught between rigid bank draw schedules and contractor demands.

1. The Cash-Out Strategy: Keeping the Insurance Settlement
2. Many Florida homeowners do not realize that they are under no legal obligation to rebuild the damaged structure.

You have the legal right to retain the insurance settlement, pay off your remaining mortgage balance from those funds or from sale proceeds, and sell the damaged house as-is to a cash buyer.

For landlord investors or out-of-town owners, keeping the settlement check and liquidating the real estate eliminates months of stressful contractor oversight and financial exposure.

5. The Rebuild Dilemma: Contractor Bids, Material Delays, and the 12 to 18 Month Ordeal

When owners first receive an insurance check, hiring a general contractor to rebuild seems straightforward.

However, managing a major fire restoration in Duval County involves substantial logistical challenges:

1. Shortage of Qualified Restoration Contractors
2. Licensed Florida General Contractors (CGCs) are in high demand across Northeast Florida. Most builders prioritize profitable new construction or custom additions over complex fire rehabs. Fire restoration requires specialized certifications, hazardous waste handling, and extensive code retrofits that many general builders avoid.

1. City of Jacksonville Permitting Requirements
2. Under City of Jacksonville Building Inspection Division rules, fire rebuilds require comprehensive plan submissions:
3. Structural Building Permits: Sealed architectural and engineering drawings are required for roof trusses, shear walls, and load-bearing framing.
4. Trade Permits: Licensed electrical, plumbing, and mechanical subcontractors must pull separate trade permits tied to the master file.
5. Plan Review Timelines: Initial municipal plan review often takes six to ten weeks, with revisions adding further delays.

1. The Florida 50% Substantial Damage Rule
2. Under the Florida Building Code and local municipal floodplain management regulations, if repair costs exceed 50% of the building pre-damage market value (excluding land), the structure is classified as substantially damaged.
3. The entire building must then comply with current building codes.
4. This triggers requirements for hurricane tie-down straps, impact glass or shutters, interconnected smoke alarms, and updated insulation standards.
5. In designated flood zones, substantial damage can mandate elevating the foundation, adding tens of thousands in unexpected costs.

1. The Extended 12 to 18 Month Rebuild Timeline
2. A full residential fire rebuild typically spans twelve to eighteen months:
3. Months 1 to 3: Debris removal, engineering analysis, architectural drafting, and permit filing.
4. Months 4 to 6: Plan review, permit issuance, structural framing, and roof truss replacement.
5. Months 7 to 10: Electrical rewiring, plumbing rough-in, HVAC duct installation, and municipal inspections.
6. Months 11 to 14: Insulation, drywall hanging, taping, mudding, and trim carpentry.
7. Months 15 to 18: Cabinetry, flooring, fixtures, paint, final inspections, and Certificate of Occupancy.

Throughout this period, the owner continues paying property taxes, insurance, and mortgage interest on a property generating zero income.

6. The Technical Rehab Scope: Dry Ice Blasting, Framing Encapsulation, and Full MEP Replacement

Restoring a fire-damaged home requires technical precision. Surface cosmetic fixes cannot eliminate deep soot odors or ensure structural safety.

A thorough, professional fire rehab follows specific engineering and remediation stages:

1. Complete Structural Demolition to Framing
2. Contaminated porous materials must be removed completely:
3. Stripping all drywall, plaster, and acoustic ceiling texture throughout affected areas.
4. Removing all flooring materials, padding, tack strips, and baseboards.
5. Extracting blown attic insulation using industrial HEPA-filtered vacuum extraction systems.
6. Removing interior hollow-core doors, jambs, and trim that have absorbed smoke oils.

1. Dry Ice Blasting (CO2 Pellet Abrasion)
2. For roof trusses and wall studs that suffered surface charring without loss of structural integrity, standard sanding or pressure washing is ineffective:
3. Dry ice blasting propels frozen carbon dioxide pellets at supersonic speeds against charred wood.
4. The dry ice sublimates from solid to gas on impact, lifting away the charred wood layer without introducing water or abrasive grit.
5. It leaves clean framing exposed while eliminating deep smoke odors without creating wet slurry.

1. Complete Framing Encapsulation
2. After blasting, all exposed structural framing, roof decking, subfloors, and masonry must be sealed:
3. Spraying industrial shellac-based odor-blocking sealants (such as Zinsser B-I-N or Kilz Restoration) across 100% of exposed framing surfaces.
4. These coatings create a permanent molecular barrier that prevents smoke oils from outgassing during hot Florida summers.

1. Full Mechanical, Electrical, and Plumbing (MEP) Replacement
2. Heat and smoke destroy residential mechanical systems:
3. Electrical Rewiring: High heat anneals copper conductors, increasing resistance and melting internal PVC insulation. A complete whole-house rewire is required under National Electrical Code (NEC / NFPA 70), including a new 200-amp main panel and AFCI protection.
4. Complete HVAC Replacement: Acidic soot coats flexible ducts, fiberglass plenums, and coil fins. Ducts cannot be effectively cleaned after heavy fires; the entire air distribution system and heat pump must be replaced.
5. Plumbing Repairs: Copper and CPVC lines exposed to high heat must be pressure-tested, and damaged PEX lines replaced.

1. Thermal Fogging and Hydroxyl Air Scrubbing
2. Before drywall installation, the building undergoes industrial deodorization using thermal foggers and hydroxyl generators:
3. Thermal Fogging: Uses heated solvent counteractants to mimic the exact particle size of smoke, penetrating framing pores and hidden voids.
4. Hydroxyl Generators: Break down volatile organic compounds safely in atmospheric air without damaging rubber, plastics, or fabrics, unlike ozone machines which require total building evacuation.
5. Continuous Negative Air Scrubbing: Industrial HEPA air scrubbers run 24 hours a day to filter airborne particulates down to 0.3 microns.

7. Jacksonville Fire Damage Repair Cost Breakdown (Detailed Line-Item Matrix)

To understand the financial scale of restoring a fire-damaged home in Jacksonville, consider the realistic budget for a typical 1,800 to 2,200 square foot residence with moderate garage and attic fire damage.

Below is an itemized breakdown based on prevailing Duval County contractor pricing and permit fees:

With realistic repair costs totaling $141,500 to $201,500, owners can see why insurance settlement checks often fall short of full restoration costs.

8. Keeping the Insurance Check vs. Rebuilding: The Financial Comparison

When a Florida homeowner receives their insurance payout for a fire-damaged property, they face two distinct financial directions. Here is a clear mathematical comparison using a realistic Duval County example:

Consider a home with a pre-fire market value of $340,000. - The fire caused substantial damage. - The insurer settled the structural dwelling claim for an Actual Cash Value (ACV) payout of $150,000. - The property has an outstanding mortgage balance of $90,000.

Option 1: The Rebuilding Path - Initial Insurance Payout Received: $150,000 - Contractor Rehab Cost: $165,000 (unforeseen structural items and code upgrades exceed initial estimates) - Out-of-Pocket Construction Capital Required: $15,000 - Holding Costs During 14-Month Rebuild: Mortgage ($850/mo), taxes ($250/mo), insurance ($200/mo) totaling $1,300/mo x 14 months = $18,200 - Total Out-of-Pocket Cash Spent: $33,200 - Home Value After 14 Months: $355,000 - If Sold on MLS: Minus 6% Realtor commissions ($21,300) and 2% closing costs ($7,100) = Net Sale Proceeds $326,600 - Minus Mortgage Payoff ($90,000) = $236,600 - Minus Out-of-Pocket Cash Spent ($33,200) = Net Realized Capital: $203,400 after fourteen months of construction management.

Option 2: The As-Is Cash Sale Path (Keep the Insurance Money) - Insurance Payout Kept by Owner: $150,000 - As-Is Cash Sale Price to We Buy Any House In Florida: $135,000 - Combined Gross Capital: $285,000 - Minus Mortgage Payoff at Closing: $90,000 - Realtor Commissions: $0 (Direct sale, zero commissions) - Closing Costs Paid by Buyer: $0 - Net Cash in Owner Bank Account in 14 Days: $195,000

The Comparison: Selling as-is delivers $195,000 in immediate, liquid cash within two weeks, compared to potentially netting $203,400 after fourteen months of exhausting contractor supervision, holding costs, permitting delays, and financial risk. The modest difference of $8,400 is quickly offset by the value of fourteen months of your time, peace of mind, and complete elimination of construction liabilities.

Keep in mind that the rebuild figure is the best case. It assumes the finished house actually appraises and sells at $355,000, that the 14-month timeline does not stretch toward the 18-month end of the range, and that no further change orders push the $165,000 contractor cost even higher. Every one of those risks falls on the owner, not the contractor.

Tax Considerations: Under Internal Revenue Code (IRC) Section 1033 (Involuntary Conversions), insurance proceeds from casualty destruction follow specific tax rules, often offering replacement property options to defer capital gains. Furthermore, primary homeowners may qualify for capital gain exclusions under IRC Section 121. This is not legal, tax, or financial advice. Always consult a qualified CPA or attorney regarding your tax situation.

9. Duval County Real Estate Market Context: Distressed Property Liquidity

Understanding real estate conditions across Jacksonville and Duval County helps determine the best way to handle a damaged home.

1. Why Fire-Damaged Properties Cannot Sell to Retail Buyers
2. Many owners ask if they can simply list the fire-damaged home on MLS:
3. Uninsurable Condition: Traditional buyers rely on conventional, FHA, or VA financing, which require valid hazard insurance at closing. Florida insurance carriers will not insure homes with roof breaches, charred framing, or disconnected utilities.
4. Habitability Standards: Federal mortgage underwriting mandates operational heating and cooling, working plumbing, functional electrical service, and a complete kitchen. A fire-damaged home fails standard appraisal habitability criteria.
5. Renovation Loan Complexities: While FHA 203(k) renovation loans exist, they require detailed contractor bids, HUD consultant approvals, and lengthy underwriting timelines that often fail before closing.

1. The Cash Buyer Advantage
2. When a property cannot qualify for bank financing, the practical solution is selling to an experienced cash home buyer. Selling directly to We Buy Any House In Florida eliminates appraisals, lender inspection mandates, financing contingencies, and real estate commissions.

10. Step-by-Step Guide: How to Sell a Fire-Damaged House As-Is in Florida

If managing a prolonged construction project is not right for you, here is the clear roadmap for selling your fire-damaged Florida home for cash:

Step 1: Secure the Structure Promptly Under City of Jacksonville Municipal Code Chapter 518, owners must secure damaged structures: - Board up ground-floor windows and entry doors with 1/2-inch CDX plywood secured with carriage bolts. - Tarp roof breaches to prevent rain infiltration. - Install temporary security fencing if needed to deter unauthorized entry. Securing the home prevents municipal code enforcement fines.

Step 2: Finalize Your Insurance Claim Documentation Ensure your insurance claim is officially settled before selling: - Confirm the adjuster has completed their inspection and issued the final itemized Proof of Loss report. - Verify whether funds are being applied to your mortgage balance or disbursed directly. - Confirm with your adjuster that selling the physical real estate will not affect your right to retain the agreed-upon ACV settlement.

Step 3: Verify Title and Municipal Lien Status Confirm clear title transfer: - Check with the City of Jacksonville Municipal Code Compliance Division to ensure no emergency boarding or nuisance liens have been recorded. - Verify whether emergency response services or utility providers have recorded claims against the property.

Step 4: Request an As-Is Walkthrough from We Buy Any House In Florida Contact our local team: - We conduct a respectful on-site walkthrough with our construction team to review structural framing, roof trusses, and utility systems. - You do not need to clean soot, remove burned debris, or haul away damaged furniture. We buy the home in its exact present condition. - We provide a straightforward, zero-obligation cash offer with no financing contingencies.

Step 5: Close Smoothly Through a Licensed Florida Title Company Once you accept our offer: - We open escrow with an established Florida title company or Jacksonville real estate closing attorney. - The title company handles title searches, coordinates mortgage payoffs, and wires your net sale proceeds directly to your account. - We can close in seven to fourteen days or on a timeline that works for you.

11. Local Resources and Municipal Permitting in Jacksonville / Duval County

Dealing with the aftermath of a house fire in Jacksonville involves interacting with several municipal departments and utility providers:

1. City of Jacksonville Building Inspection Division
2. Location: Ed Ball Building, 214 North Hogan Street, Room 280, Jacksonville, FL 32202
3. Responsibilities: Issues structural building, electrical, plumbing, and demolition permits. Conducts framing, trade, and final Certificate of Occupancy inspections.
4. Website: coj.net/departments/planning-and-development/building-inspection-division

1. Duval County Property Appraiser (Catastrophic Tax Relief)
2. Location: 231 E. Forsyth Street, Suite 270, Jacksonville, FL 32202
3. Catastrophic Tax Relief Under Florida Statute 197.319: Homeowners whose residential structures are uninhabitable for thirty or more days due to a catastrophic event may receive a prorated ad valorem property tax refund. File Form DR-463 by March 1 following the tax year of the fire.
4. Website: duvalpa.net

1. JEA (Jacksonville Electric Authority)
2. Responsibilities: Manages municipal power and water services. Disconnects electric service after structural fires for safety.
3. Service Restoration: Power cannot be reconnected until repairs pass inspection by the City of Jacksonville Building Inspection Division, which issues an electrical release to JEA.
4. Phone: 904-665-6000 | Website: jea.com

1. Jacksonville Fire and Rescue Department (JFRD) Fire Prevention Bureau
2. Responsibilities: Provides certified Fire Incident Reports needed by insurance adjusters and title examiners to verify loss details.
3. Address: 424 N. Laura Street, Jacksonville, FL 32202 | Phone: 904-630-0529

12. Frequently Asked Questions About Fire-Damaged Homes in Florida

Here are direct answers to common questions Florida homeowners ask after experiencing a house fire:

Can I legally keep my insurance payout and sell my fire-damaged house as-is? Yes. As long as your existing mortgage is satisfied at closing or paid off through insurance proceeds, you can retain your insurance payout and sell the damaged physical home to an as-is cash buyer. You are not required to rebuild.

Does my mortgage lender need to approve the sale of a fire-damaged home? If the sale price and any allocated insurance proceeds completely pay off the remaining mortgage balance, the lender simply issues a standard payoff letter. However, if total proceeds are less than the mortgage balance, a negotiated short sale is required.

Can I get a property tax refund in Florida after a house fire? Yes. Under Florida Statute Section 197.319, residential property owners whose homes remain uninhabitable for thirty days or longer after a catastrophic event can apply for a prorated tax refund by submitting Form DR-463 to the county property appraiser by March 1.

Why won't traditional buyers purchase a fire-damaged house? Traditional buyers depend on mortgage loans that require functioning utilities, complete kitchens, and verified habitability. Furthermore, insurance carriers will not issue property hazard insurance on damaged buildings, making bank financing impossible.

Do I need to clean out burned debris before selling to We Buy Any House In Florida? No. You do not need to clean, haul debris, or rent dumpsters. Take any personal items you wish to keep, and leave everything else behind. We handle all cleanup and disposal.

What happens if the City of Jacksonville issues code enforcement violations on my fire-damaged property? If the city issues a Notice of Violation for unsafe structure or unsecured openings under Municipal Code Chapter 518, do not panic. We regularly purchase homes with pending code enforcement violations or municipal fines. We coordinate directly with the city compliance officer to take over the property, secure the building, and resolve the violations post-closing.

Will my homeowner insurance company cancel my policy after a fire? In many cases, insurance carriers issue a Notice of Non-Renewal or cancellation following a catastrophic fire claim because the building is no longer an insurable risk. Once your claim settlement is finalized, selling to an as-is cash buyer eliminates the burden of securing expensive builder risk or surplus lines insurance during a vacant rebuild.

How fast can We Buy Any House In Florida close on a fire-damaged home? Because we purchase using private cash funds, we can close within seven to fourteen days through a licensed Florida title company.

© 2026 We Buy Any House In Florida LLC, a principal cash home buyer. Founder Chris Moore is a licensed Florida real estate sales associate (Florida DBPR License SL3389080) affiliated with Momentum Realty. When we buy, we buy as principals, not as your agent. Equal Housing Opportunity. Calls to and from us may be recorded.