Start Here: What You Need to Know
If you have a fire-damaged or storm-damaged house in Florida, you do not have to rebuild it to get out from under it. Between hurricanes, flooding, and house fires, Florida homeowners face damage that can cost more to repair than the home is worth — and insurance fights that drag on for months.
We buy fire, hurricane, flood, and water-damaged homes as-is, in cash, so you can take your settlement and the sale proceeds and move forward instead of managing a rebuild you never asked for.
Quick facts at a glance
- Sell without repairing?
- Yes — we buy fire, flood, and storm-damaged homes exactly as they are.
- Open insurance claim?
- You may be able to sell and keep unspent claim funds — ask your adjuster.
- Flood / water / mold?
- All buyable, with or without remediation done.
- Fair price?
- Based on as-is condition and after-repair value; we explain the number.
- How fast?
- Often a couple of weeks; faster if the home is vacant.
- Already gutted or mid-repair?
- Still fine — we buy it in any state.
Rebuild, or Sell As-Is?
Rebuilding makes sense when insurance fully covers it, you have somewhere to live during construction, and you want to stay in the home. For many owners none of those are true: the insurance check falls short, the mortgage and a rental both need paying, and the stress of managing contractors after a disaster is the last thing they want.
Selling as-is converts a damaged, half-covered property into clean cash on a date you choose.
| Sell As-Is for Cash | Rebuild & Keep | |
|---|---|---|
| Out-of-pocket cost | None | Often a shortfall vs. the claim |
| Time | Weeks to close | Months of construction |
| Who manages contractors | We do | You do |
| Certainty | Cash, fixed date | Depends on insurer & crews |
You Can Often Keep the Insurance Money
Depending on your policy and lender, you may be able to sell the home as-is and keep some or all of an unspent insurance claim. The details depend on whether the claim was already paid and whether the mortgage company controls the funds, so confirm with your adjuster and lender — but it is a question worth asking, because it can meaningfully change your bottom line.
Damage we buy
House fires and smoke damage, hurricane and wind damage, roof failures, flood and water intrusion, mold remediation cases, and homes already gutted or mid-repair. We have the contractors and the capital to take these on, so you do not have to.
How the Sale Works
- Send us the address and a quick description of the damage and any insurance claim.
- We assess as-is condition and after-repair value and make a written cash offer.
- You confirm with your adjuster/lender whether you keep any unspent claim.
- We close at a Florida title company; the rebuild becomes our project.
Pros & cons
Pros
- No rebuild, no contractor bids, no construction stress
- You may keep unspent insurance funds
- Fast, certain cash close
- We take on flood, fire, mold, and structural work
Cons / Trade-offs
- The cash price reflects the damage
- If insurance fully covers a rebuild and you want to stay, rebuilding may suit you
- An open claim can add a coordination step
Damaged home you don't want to rebuild?
Get a cash offer and walk away with your settlement — we'll handle the rebuild.
Get My Cash Offer Call 904-606-9163Working With Your Adjuster and Lender
A damaged-home sale often runs alongside an insurance claim, so a little coordination protects your money.
Who controls the check
If you still owe a mortgage, the insurer typically makes the claim check payable to you and your lender, and the lender may release funds in stages as repairs are done. That affects whether unspent funds can come to you in a sale, so ask your lender directly.
Replacement cost vs. actual cash value
Many policies pay 'actual cash value' (depreciated) up front and hold back 'recoverable depreciation' until you actually rebuild. If you sell instead of rebuilding, you may not collect that holdback — which is exactly the kind of number that determines whether rebuilding or selling nets you more.
We're comfortable buying with an open claim and can time the closing around where your claim stands.
Hidden Things About Damaged-Home Sales
- The insurance check often doesn't cover the real rebuild. Depreciation, your deductible, and code-upgrade costs leave a gap owners don't expect. Selling as-is can net more than a shortfunded rebuild.
- You may keep unspent claim money. Depending on the policy and whether the lender holds the funds, selling as-is and keeping the claim can stack two sources of cash.
- Mortgage companies often control the payout. If there's a loan, the insurer may make the check payable to you and the lender — worth understanding before you plan around it.
- Damaged homes usually can't be financed. Retail buyers can't get a mortgage on a fire- or flood-damaged house, so cash buyers are the realistic market anyway.
- Delays cause more damage. A tarped roof or a gutted, open house keeps deteriorating in Florida weather — acting sooner protects value.
Chris Moore
"After a fire or a hurricane, the last thing most people want is to become a general contractor. We've got the crews and the capital to take a damaged house off your hands, and a lot of the time you keep the insurance money too. You get to move forward instead of rebuilding a place you may not even want anymore."
"We're local, we're veteran-owned, and there's no call center and no script — just a straight, honest conversation about what actually serves you, even when the right answer is not selling to us."
Frequently Asked Questions
Can I sell a house that is fire damaged and not repaired?
Yes. We buy fire-damaged homes exactly as they are, no repairs needed.
What about an open insurance claim?
You may be able to sell and keep unspent claim funds depending on your policy and lender. Ask your adjuster; we can work around an open claim.
My house flooded in a storm. Do you buy flood homes?
Yes, including flood and water-damaged homes with or without mold.
Will I get a fair price for a damaged house?
We base offers on the as-is condition and the after-repair value. We will walk you through how we get to the number.
How quickly can you close?
Often within a couple of weeks, faster if the home is already vacant.