We Buy Fire-Damaged Homes for Cash in Florida

After a house fire, the last thing you want is a lengthy rebuild or a stalled sale. Fire-damaged homes are nearly impossible to sell conventionally — no lender will finance them and few buyers will touch them — but they are exactly the kind of property we buy for cash, as-is.

Structural fire damage, smoke and soot throughout, and the water damage that firefighting leaves behind are all fine. You do not clean up, gut, or rebuild anything before selling.

Why fire-damaged homes can be hard to sell the traditional way

No financing available

Lenders will not fund a fire-damaged home, cutting out nearly all buyers.

Hidden structural damage

Heat and water can compromise framing and systems beyond the visible char.

Costly rebuild

Full restoration is expensive and slow, and may exceed insurance proceeds.

Lingering smoke and odor

Smoke permeates materials throughout, making a normal sale impractical.

How we make it simple

No cleanup or rebuild
We take the home in its damaged condition.
Structural damage OK
Compromised framing and systems are our problem.
Open claims are fine
We can buy while a claim is open. The claim itself stays between you and your insurer.
Move on quickly
Close fast instead of managing a long restoration.

Why fire-damaged homes cannot sell conventionally

A home with fire damage fails on every front for a traditional sale. Mortgage lenders will not finance a house that is not habitable, insurers will not readily cover it, and retail buyers overwhelmingly want a move-in-ready home — not a restoration project with uncertain hidden damage.

We specialize in exactly these properties. Because we pay cash and take on the rebuild ourselves, the fire damage that makes your home unsellable to everyone else is simply part of what we are buying.

Rebuild costs and insurance — why selling can beat restoring

Restoring a fire-damaged home is a major undertaking: demolition, structural repair, smoke remediation, and a full rebuild that can take many months and often costs more than the insurance payout covers. For many owners, that process is more than they want to manage.

Selling as-is lets you convert the damaged property into cash now and walk away from the rebuild entirely. What happens to claim money after a sale depends on your policy, so ask your insurer or a Florida attorney before you sign.

How selling a fire-damaged home to us works

1
Tell us about the fire and the extent of the damage. We assess the property and the cost to restore it, then make a cash offer for the home in its current, damaged state.
2
An open insurance claim does not stop us from making an offer. We close through a local title company on your schedule, and the cleanup and rebuild become entirely our responsibility.

Questions Answered

Fire-Damaged Homes: your questions answered

Straight answers about selling this type of property for cash.

Yes. Structural damage, smoke, soot, and firefighting water damage are all fine. We buy the home as-is and handle the rebuild ourselves.

No. Leave the property exactly as it is. All cleanup, demolition, and restoration are our responsibility after closing.

We can buy while a claim is open, but we do not handle or negotiate insurance claims. What happens to claim money after a sale depends on your policy, so ask your insurer, the Florida Department of Financial Services or a Florida attorney.

On your timeline — often within 10 days or two once title is clear, so you can move on without waiting on a rebuild.

Official sources

Primary sources for the rules that come up in this kind of sale. This is general information, not legal, tax or insurance advice.

Florida property claim deadlines (s. 627.70132)How long an owner has to give the insurer notice of a claim.Florida Department of Financial Services: consumer helpState help with insurance questions and complaints.Florida flood disclosure law (s. 689.302)What a seller must give a buyer about flood history at or before signing.

Other properties we buy

We purchase a wide range of Florida properties for cash:

Distressed PropertiesFinancially or physically distressed homes bought as-is, often fast.Vacant PropertiesEmpty and abandoned homes bought fast, before they become a liability.Homes with Code ViolationsHomes with citations, open permits, and unpermitted work bought as-is.Single-Family HomesThe most common home we buy — sold as-is, no repairs, on the date you choose.

Free guides and templates

Practical help for selling this kind of property in Florida:

Selling a fire-damaged houseClaim first or sell first? Florida notice deadlines, how replacement cost pays, why your lender is on the check, and what decides the claim money after a sale.What to disclose when selling as-isA practical checklist of what a Florida seller still owes the buyer in an as-is sale: flood, radon, property tax, lead paint, HOA and condo items, mold and water damage.

Selling for a specific reason?

See how we help in these common situations:

Sell Your House As-IsWhat “as-is” means in a Florida sale, what you still must disclose, and how inspections work with a cash buyer.Compare Ways to Sell FastCompare a cash buyer, an agent listing and an iBuyer for a fast Florida sale: realistic 7, 14, 30 and 60-day paths and the things that slow closings.Sell an Inherited HouseInherited a Florida house and the title is in the heirs’ names? How several heirs sell together, taxes and homestead after a death, and a cash offer.

Get an As-Is Offer for Your fire-damaged home

Describe the fire-damaged home, its condition, occupancy, and your preferred date. We will review the property-specific facts and explain a no-obligation cash option.

Fair cash offer within 24 hours
No repairs, fees, or commissions
Close in as little as 10 days
Zero obligation — say no anytime

Daniel Sasson, founder of Florida Cash For Home

Prefer to talk to a real person?

(954) 637-2999

Request a Fire-Damaged Homes Offer

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Takes 60 seconds. No obligation.