Sell a Hurricane-Damaged House in Florida — Cash, As-Is, Fast

4.9 stars on Google. 950+ reviews. A+ BBB Rated. Buying Homes in Florida and Georgia Since 2013. No Fees.

Unreal experience. Great group to work with. Everything went smoothly and quickly. Highly recommend. – Alex A.

Homeinc was very easy to work with. Knowledgeable, reliable, and efficient. – Lisa L.

Very friendly and accommodating. Everything was done quickly and efficiently. – Chris S.

The kinds of storm damage we buy

There is no condition we will not look at. The houses we have closed on in the last few years include:

• Roof damage from Hurricane Ian (Lee, Charlotte, Sarasota counties) — full roof replacement needed, tarp still on
• Flood damage and mold from Hurricane Idalia (Big Bend, Cedar Key) — drywall removed to the studs, subfloor compromised
• Storm surge damage in coastal Broward and Miami-Dade — saltwater intrusion in slab and walls
• Wind damage from Hurricane Milton (Tampa Bay, Manatee, Sarasota) — missing windows, soffit, fascia, sections of roof gone
• Tree-fall damage — trees through the roof, into bedrooms, onto attached garages
• Older damage from Hurricane Irma (2017) and Michael (2018) that was never fully repaired
• Total losses — homes that the insurance carrier wants to declare a total but the homeowner does not want to fight for

Mold, structural damage, FEMA flood-zone designation, lapsed insurance — none of those things stop us from making an offer.

Why selling damaged is often better than rebuilding

There are real reasons to walk away rather than rebuild:

Insurance shortfalls

Florida insurance carriers are paying less than they used to. Many policies now exclude wind-driven rain, have higher hurricane deductibles (often 5-10% of the dwelling value), and depreciate the roof on actual cash value rather than replacement cost. The check the homeowner gets is rarely enough to do the work.

Contractor backlogs and price spikes

After a major storm, licensed contractors are booked 6-12 months out and material prices spike 20-40%. Many homeowners cannot float a mortgage on a house they cannot live in for that long.

Code upgrades

Florida’s 50% rule means if your damage exceeds half the structure’s value, you must rebuild to current code — which on older homes means new electrical, plumbing, hurricane straps, impact windows, and elevation. The cost of compliance often exceeds the home’s post-repair value.

Selling clears all of it at once

A cash sale to Homeinc closes the chapter. You take the equity, we take the rebuild risk, and you move on with what you have left of your insurance settlement plus our purchase price — usually more cash in pocket than fighting the insurance company for another 18 months.

How the process works

1. Tell us what happened

Call 888-850-2636 or fill out the form. Tell us which storm, what was damaged, and whether an insurance claim is open or settled. We do not need photos to make an initial offer — but if you have them, send them along.

2. We make a same-day cash offer

We pull comparable sales of repaired homes in the area, subtract a realistic rebuild cost, and give you a written offer the same day. No appraisal, no contractor walk-through, no contingencies.

3. Pick your closing date

We close in 7 days when needed, or up to 60 days out if you want to keep collecting on the insurance claim first. Some sellers prefer to assign their open claim to us at closing — we are happy to take that on.

4. Walk away clean

Leave damaged furniture, contents, debris, anything you do not want. We handle haul-off, demolition, and the rebuild. You take a wire transfer and move on.

Why Florida storm-affected sellers choose Homeinc

We have been buying hurricane-damaged homes in Florida since 2013. We have closed on properties from the Keys to the Panhandle through Hurricanes Irma, Michael, Sally, Ian, Idalia, Helene, and Milton. We are local, licensed, and we close on what we offer.

“After Hurricane Ian, my insurance company was offering me about half what the rebuild was actually going to cost. Homeinc bought the house as-is in 12 days, I kept the insurance money, and I moved my family to higher ground.” — Patricia M., Fort Myers, FL

“The roof came off in Milton and I was 78 years old — there was no way I was managing a rebuild. Homeinc closed in 9 days. I left everything I didn’t want and they handled it.” — Earl B., Bradenton, FL

We buy in every coastal county. Even if your house is in a special flood hazard area, has an open claim, or is partially uninhabitable, we can make a real offer.

Frequently Asked Questions

Will Homeinc buy my house if there’s an open insurance claim?

Yes. We can either close before the claim settles (you keep what you have collected so far and we take the rest), or we can wait until the claim closes and close after. Many sellers prefer to assign the open claim to us at closing — we have done this dozens of times and our title company handles the paperwork.

What if the house has mold from flooding?

Mold is one of the most common issues we see and it does not stop us from buying. We have specific bids in place with remediation contractors and price the offer accordingly. You do not have to remediate or even disclose extensively — we handle environmental testing on our side.

Do I need to clean out the house before selling?

No. Leave furniture, damaged contents, fallen drywall, anything you do not want. We send a clean-out crew the week after closing. This is especially helpful when the house is unsafe to enter or you have already moved.

My house was declared a total loss — can you still buy it?

Yes. We buy total losses regularly, including homes the insurance company has condemned. If demolition is needed, we handle the permits and the contractor on our side after closing.

How does Homeinc price a damaged property?

We start with the after-repaired value (what the house would sell for fully restored), subtract a realistic cost of repairs at current Florida prices, subtract our holding and resale costs, and offer the rest in cash. The offer is written and itemized so you can see the math.

I have a mortgage and my insurance check went to the bank. Can I still sell?

Yes. Insurance checks for damage often go to the lender first, who releases funds in stages tied to repair progress. We work directly with your lender at closing — the loan gets paid off, any unreleased insurance money is sorted out, and you walk with the remaining equity.

Related Resources

• Sell a House With a Lien in Florida
• Sell an Inherited House in Florida
• Stop Foreclosure in Florida

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.