We Buy Storm, Fire, and Water Damage.
Selling a Fire or Flood Damaged House? Here Is What to Do
Fire, flood, hurricane, or water damage does not have to mean a long insurance fight and a costly rebuild. We buy damaged homes for cash, as is. Tell us what happened to the house.
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Your Options
Can You Sell a Fire or Flood Damaged House?
Yes. You can sell a damaged house as is rather than rebuilding it. Many owners do not want to manage a long restoration, fight with insurance, or wait months to make the home livable again, and selling for cash ends that process.
Financed buyers usually cannot purchase a seriously damaged home because lenders will not lend on it. A cash buyer can, which makes a direct sale one of the few realistic options for a heavily damaged property.
The Process
How to Sell a Damaged House Fast
No rebuild, no contractors, no waiting on a claim to close.
- Tell us what happened and the current condition of the house.
- Get a same-day cash offer, as is, in its damaged state.
- Decide how to handle any open insurance claim with us.
- Close fast and hand off the property and the repairs to us.
Cash Offer
We Buy Fire and Flood Damaged Houses for Cash
HomeWise buys homes with fire, smoke, flood, hurricane, and water damage, including homes with mold or structural issues from the damage. We take on the restoration so you do not have to.
You do not need to tarp the roof, dry it out, or get estimates. We buy it in its current condition.
The Comparison
Damaged Home: Sell As Is vs Rebuild and Restore
Rebuilding can restore the home's value, but it means months of contractors, permits, and out-of-pocket cost, often while you fight to get the insurance payout to cover it. There is real risk and a long timeline.
Selling as is for cash ends it now. You take any insurance proceeds you are owed and sell the house in its current state. If the damage is light and you want to restore it, that may net more, and we will say so.
What to Know
Insurance Claims and Selling a Damaged Home
If you have an open insurance claim, you have choices. In some cases the seller keeps the claim proceeds and sells the home as is at a price reflecting the damage. In others, the claim or the right to it is handled as part of the sale. The right approach depends on your policy and where the claim stands.
Do not let an unresolved claim trap you in the house. Tell us the status of any claim and we will structure the sale around it. For complex claims, your insurer or a public adjuster can confirm how proceeds are handled before you sell.
Any Condition. Any Situation.
We Buy Houses in Any Situation
Whether you need to sell a house in foreclosure, sell an inherited house, sell a rental property, or sell a house that needs repairs, HomeWise buys homes as is with no cleaning, no showings, and no agent commissions.
Sell a House to Avoid Foreclosure
Stop the clock and protect your credit and equity before the bank acts
Sell an Inherited or Probate House
Sell an inherited house as-is and skip the stress of probate
Sell a House During Divorce
Divide assets quickly, fairly, and stress-free
Sell a House Behind on Payments
Get immediate debt relief with a guaranteed cash offer
Sell a House That Needs Major Repairs
Sell as-is. We absorb the repair burden, no contractor needed
Sell a Vacant House Fast
Stop carrying the cost of a home you don't use
Sell a Rental Property With Tenants
Sell with tenants in place. We handle problem rentals
Sell Before Relocating for Work
Close fast so you can move forward with your life
Common Questions About Selling a House: Fire or Flood Damage
Honest answers about selling in this situation, what to expect, and how fast you can close.
Will anyone buy a fire or flood damaged house?
Yes. Cash buyers like HomeWise buy damaged homes that financed buyers cannot purchase. Condition affects price, not whether we buy.
Do I need to repair the damage first?
No. We buy in the current damaged condition and take on the restoration ourselves.
What happens with my insurance claim?
It depends on your policy and where the claim stands. Often the seller keeps the proceeds and sells as is. Tell us the status and we will structure around it.
How fast can you close on a damaged home?
Often 7 to 14 days, depending on the property and any open claim.
Real Stories From Homeowners Who Sold to HomeWise
Every review is from a verified Google Business profile. Real homeowners, real closings, real results.
“This process was so easy, thanks for making what could have been so time consuming a piece of cake.”
Sara Cantu
“Josh was great to work with. He explained everything clearly, kept me updated, and made the whole process easy. If you're selling your house, I'd definitely recommend him.”
Giselle Rachels
“Josh has been a pleasure to work with. He made it super easy for me to get rid of my home ASAP and made the process as simple and stress-free as possible.”
Matt Ferrara
“Selling our parents' home felt overwhelming until we found HomeWise. They handled everything with care and gave us a fair offer.”
Dana Richards
“Closed in 9 days. No repairs, no showings, no agent fees. Exactly what they promised.”
Marcus Webb
“I was facing foreclosure and HomeWise helped me close before the bank could take the house. Lifesavers.”
Elena Brooks
“Inherited a property I couldn't keep up with. HomeWise made the sale simple and the cash hit my account in under two weeks.”
Ryan Mitchell
“Got three other quotes. HomeWise's offer was competitive AND they actually closed on schedule. Would use again.”
Priya Shah