Sell a Fire-Damaged House in Florida — Cash, As-Is
Sell a Fire-Damaged House in Florida for Cash, As-Is
After a house fire, most homeowners face a stack of impossible decisions at the worst possible time. The insurance check arrives in installments tied to repair milestones. Contractors take weeks to bid the work and months to do it. Smoke odor, water damage from firefighting, and structural compromise often mean the rebuild costs more than the house was worth before the fire.
Homeinc buys fire-damaged Florida houses as-is. Partial damage, full structural loss, smoke and water damage, kitchen fires that took out one room — we look at all of them. Cash, 7 to 14 day close, no contractors, no rebuild headache.
★ 4.9 / 5 from 950+ Florida sellers • BBB Accredited • Buying Florida homes since 2013 • Call 888-850-2636
The kinds of fire damage we buy
- Kitchen and stovetop fires — usually one room destroyed, smoke through the rest
- Electrical fires from older Florida wiring — full rewire often required
- Garage fires that compromise the attached structure
- Total losses where the structure must be demolished
- Smoke-only damage where the structure is intact but uninhabitable
- Water damage from firefighting — often worse than the fire itself
- HVAC contamination requiring full system replacement
- Mold growth following wet smoke and water exposure
Why selling is often the cleanest path forward
Insurance shortfalls
Florida insurance carriers depreciate the loss, exclude code upgrades, and impose actual-cash-value limits. The check rarely covers the full cost of bringing the house back to its pre-fire condition — and never covers the cost of bringing it up to current Florida code.
Code-upgrade triggers
A substantial fire often triggers Florida’s code-compliance threshold. The rebuild is required to current code, which on older homes means hurricane straps, impact windows, new electrical, and elevation in flood zones — costs the insurance check does not cover.
Time and stress
A fire rebuild takes 6 to 18 months in Florida. During that time the homeowner is paying mortgage and rent simultaneously, fighting the insurance company, and managing contractors. Selling the damaged structure and moving on is often the better outcome financially and personally.
How the process works
1. Same-day cash offer
Call 888-850-2636. Tell us when the fire happened, what was damaged, and where the insurance claim stands. Photos help but are not required.
2. Insurance claim — your call
You can settle the claim before selling and keep all of the proceeds (in addition to our purchase price), assign the open claim to us at closing (we take over the claim), or close before settlement. Many sellers prefer the assign-at-closing option so we deal with the carrier on our side.
3. Pick a closing date
We close in 7 days when needed. Florida title company handles the paperwork.
4. Walk away
Leave damaged contents, anything you do not want. Our crew handles haul-off and demolition where needed.
Why Florida fire-affected sellers choose Homeinc
We have closed on fire-damaged Florida homes since 2013 — kitchen fires in Boca Raton, electrical fires in Lakeland, total losses in Jacksonville, garage fires in Pembroke Pines. We absorb the rebuild risk, the insurance-negotiation risk, and the code-compliance risk so you do not have to.
“The insurance was offering me 60% of what the rebuild would cost. Homeinc bought the house in 9 days, took the open claim, and I left town with cash and zero paperwork.” — Daniel R., Plantation, FL
Get your no-obligation cash offer today
Tell us a little about the property and we’ll have a real, written offer in your inbox within 24 hours. No fees, no obligation, no realtor commissions. Or call 888-850-2636 right now.
Frequently Asked Questions
Will Homeinc buy if my insurance claim is still open?
Yes. We can buy before settlement, after settlement, or assign the open claim to us at closing. Many sellers prefer to assign so we deal with the carrier directly.
What if it was a total loss and the house is no longer livable?
No problem. We buy total losses regularly. If demolition is required, we handle the permits and contractors after closing.
Is mold from firefighting water a deal-killer?
No. Wet smoke + drywall + Florida humidity = mold, and we know it. Pricing reflects mold remediation already.
Do I need to clean out the house before closing?
No. Take what is meaningful, leave the rest. We send a clean-out crew after closing.
Will my mortgage lender release the insurance check to me at closing?
Florida lenders typically hold insurance proceeds in escrow and release them in stages tied to repair progress. At closing, the title company coordinates with the lender — the loan gets paid off, any unreleased insurance funds are sorted, and you walk with the equity.
How is the offer calculated for a fire-damaged house?
We start with the after-repaired value, subtract the realistic rebuild cost (including code upgrades), subtract holding and resale costs, and offer the rest in cash. The offer is itemized so you can see the math.
Related Resources
- Sell a Hurricane-Damaged House in Florida
- Sell a House With Code Violations in Florida
- Sell a House With a Lien in Florida
Ready to get started? Call 888-850-2636 or fill out the form above. We’ll have a real cash offer for you within 24 hours.
We Buy Houses Across Florida
Whatever your situation, Homeinc buys houses in cities across the entire state of Florida. We’ve helped sellers in big cities and small towns alike. A few of the markets we serve: Miami, Tampa, Orlando, Jacksonville, St. Petersburg, Hialeah, Fort Lauderdale, Cape Coral, Tallahassee, Pembroke Pines, Coral Springs, Miramar, Gainesville, Lakeland, Pompano Beach, Brandon, Davie, Boca Raton, Sunrise, Fort Myers, Palm Bay, Clearwater, Naples, Kissimmee, and 270+ more. View our full Florida service area.
Last reviewed and updated for 2026 market conditions. Homeinc’s cash offer process, closing timelines, and no-fee guarantee remain the same. Call (888) 850-2636 for a fresh cash offer today.