Florida · Cash Offer in 1 Hour
Sell a House As Is in Florida
Florida lets you sell as is, but state law still requires disclosing known hidden defects, and roof age can scare off insurers and financed buyers. A cash sale sidesteps both the repair list and the insurance scramble.
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Florida Rules
How Florida Law Shapes This Sale
Florida's Johnson v. Davis rule requires disclosing known hidden defects
Since the Florida Supreme Court decided Johnson v. Davis in 1985, home sellers must disclose facts they know about that materially affect the property's value and that a buyer cannot readily observe. That duty applies whether or not the contract says as is. You do not have to fix anything, but you cannot stay silent about a leaking roof or past flooding you know about. Selling to a cash buyer does not remove the duty either; it simply means the buyer prices the known problems in up front instead of renegotiating later.
The Florida as is contract limits repairs, not honesty
Most as is sales in Florida use the Florida Realtors and Florida Bar AS IS residential contract. That form means the seller will not be obligated to make repairs, and the buyer typically gets an inspection period with a broad right to cancel. It does not erase the Johnson v. Davis disclosure duty, and it does not stop a buyer from walking away after the inspection. A cash sale with a buyer who has already seen the condition removes most of that cancellation risk, because there is no lender or appraisal driving the decision.
Roof age and insurance can stall a financed Florida sale
Florida's insurance market is famously tough on older roofs. A financed buyer must secure homeowners insurance to close, and insurers frequently decline or surcharge homes with aging roofs, older electrical panels, or prior water claims. That means a house that needs work can pass inspection drama only to die at the insurance stage. This is one of the most common reasons Florida sellers with older homes choose a cash sale: the buyer does not need a lender or an insurance binder to close, so roof age stops being a dealbreaker.
Inspection period renegotiation is standard in Florida deals
Florida buyers almost always negotiate an inspection period, and with the common AS IS contract they can usually cancel for any reason during that window. In practice, many buyers use the inspection report to demand a price cut or credits, and sellers of homes that need work often face a second negotiation weeks after going under contract. If you would rather skip that cycle, a cash offer made after the buyer has already reviewed the property's condition trades a little top line price for certainty that the number will not change.
Cash Offer
We Buy Houses That Need Repairs for Cash in Florida
HomeWise buys houses with foundation problems, roof and structural damage, fire or water damage, mold, outdated systems, and code violations. We factor the cost of the work into the offer instead of asking you to do it.
You do not pull permits, hire contractors, or front any money. We take the project on after we close.
Where We Buy Houses in Florida
We buy across Florida, whatever the situation. Start with your market:
Needs Repairs in Florida: Common Questions
Honest answers about selling in this situation, what to expect, and how fast you can close.
Do I have to disclose problems if I sell my Florida house as is?
Yes. Under Florida's Johnson v. Davis rule, you must disclose known facts that materially affect the home's value and are not readily observable, even in an as is sale. As is means you will not make repairs, not that you can conceal known defects.
Can my old roof stop me from selling a house in Florida?
It can stall a financed sale. Buyers using a mortgage need homeowners insurance to close, and Florida insurers often decline or surcharge homes with older roofs. Cash buyers do not need an insurance binder to close, so roof age matters far less in a cash sale.
Can a Florida buyer back out of an as is contract?
Usually yes. The widely used Florida AS IS contract gives the buyer an inspection period with a broad right to cancel. Many buyers also use that window to renegotiate the price, which is why sellers who want certainty often prefer a cash offer made with the condition already known.
What Florida Homeowners Say About Selling for Cash
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