Sell your storm-damaged Florida house without fixing it first.
HBS buys houses directly for cash and as is. A roof claim, tarp, flood line, mold concern, or insurance problem can make a financed sale feel impossible. Tell us what happened and we can consider the house as is for a direct cash offer, without asking you to repair it before you start.
200+ homes bought·100+ renovations completed·4.5+ star seller reviews
We buy houses across Florida, from our home base in Hillsborough, Pinellas, Pasco & Hernando counties. Every purchase depends on property fit, a signed agreement, and title.
What house do you want to sell?
Start with the property address. You do not need photos, repair estimates, or paperwork.
Storm damage changes the sale in six ways.
A financed buyer may need insurance, appraisal, lender approval, and inspections. A direct cash purchase removes the buyer-loan contingency, but property condition, title, claim rights, insurance history, and resale risk still matter.
Roof age and insurability
For roofs at least 15 years old, Florida law provides an authorized-inspection path in specified insurance decisions. Condition, remaining useful life, permits, claims, wind mitigation, and future resale risk can still affect the cash offer.
Open or disputed insurance claims
You can begin by sharing the claim correspondence and repair documents you have. Claim ownership, assignment, proceeds, settlement, and closing questions should be confirmed by the insurer, title company, and qualified legal advisers before an agreement is finalized.
Water intrusion and mold concerns
Water intrusion can add inspection, remediation, disclosure, and insurance questions. Share the visible condition and any reports you have so the cash offer can reflect the house as it stands. Any offer remains property-specific.
Flood-zone buyer fall-through
For low-lying or coastal parcels, flood information and insurance can affect a financed buyer. Cash removes the buyer-loan contingency, not the underlying flood, use, disclosure, or resale considerations.
Substantial-damage letters
If a building official decided a home was substantially damaged, repairs generally must bring it up to current flood rules, which can mean elevating, rebuilding, relocating, or removing it. Pinellas County uses repair costs of 49 percent or more of pre-storm market value and gave owners with Helene or Milton letters until Dec. 31, 2026 to comply. Homes inside cities follow their own building official's rules.
Florida's flood disclosure
Since Oct. 1, 2024, a Florida seller of residential property must give the buyer a written flood disclosure at or before signing the contract. Since Oct. 1, 2025, the form asks about flood damage the seller knows about during their ownership, flood insurance claims, and any assistance received for flood damage, whether from FEMA or another source. A cash sale does not remove that duty, so keep those records handy.
What can affect your as-is cash offer.
| Input | How it affects the offerPlain English |
|---|---|
| Visible roof and exterior damage | We estimate the likely repair or replacement work so the written cash offer can reflect the house in its current condition. |
| Water, mold, or drywall damage | We look at remediation, demo, and rebuild costs so the number reflects real post-storm work. |
| Insurance claim status | An open, denied, or partly paid claim may affect rights, paperwork, price, and timing; qualified parties must confirm the specific file. |
| Flood zone and elevation context | Flood risk affects resale and insurance math, especially near the Gulf and bay. We explain how it moved the number. |
How the property and local records can change the sale.
Pinellas County
Beach and bay-adjacent neighborhoods often carry the hardest wind and flood insurance math, especially after repeated storm seasons.
Pasco County
Holiday, Hudson, and New Port Richey properties may combine roof age, block-home updates, and insurance questions.
Hillsborough County
South-shore and bay-adjacent properties can face storm surge, older roofs, and open claim questions that make financed offers fragile.
Hernando County
Storm condition plus documented sinkhole or disclosure history can add lender, insurance, due-diligence, and title questions.
What to gather before asking for a storm-damaged house offer.
You do not need every document to start. These details help separate visible damage, insurance questions, and closing issues.
Current condition photos
Show the roof, exterior, water lines, damaged rooms, and any temporary protection that is still in place.
Insurance claim status
Share the claim number, adjuster correspondence, estimates, payments, denials, or settlement documents you have.
Permits and repair records
Roof permits, invoices, inspections, mitigation reports, and contractor scopes help explain completed and unfinished work.
Flood and elevation records
Provide an elevation certificate, flood-zone information, or prior flood documents if they are available for the address.
How the cash sale moves from first call to closing.
Ask about a cash offer
Send the address and tell us about the storm, roof, flood, claim, or insurance issue. Photos help, but they are not required to start.
Get a repair-aware offer if the house fits
We consider nearby sales, visible condition, likely repairs, access, title, and resale risk before making a property-specific cash offer.
Choose your next step
If you accept the offer, the agreement states which identified damage or contents may remain. The selected closing provider confirms title requirements, available payoff information, recorded items, documents, and signing before closing.
More help for this Florida home sale.
Check the rules behind this page.
These primary sources explain the rules summarized above. They are not legal, tax, or insurance advice; an attorney, CPA, insurance professional, or building official should confirm how they apply to your property.
Pinellas County substantial damage FAQs
The county's 49 percent threshold, the Dec. 31, 2026 compliance date, how to request a reevaluation, and options for county letters.
Open official sourceHillsborough County substantial damage guidelines
How Hillsborough County measures the 50 percent rule and the structure's market value.
Open official sourceFlorida Statutes, s. 689.302 (flood disclosure)
The seller flood disclosure form and when it must be given to the buyer.
Open official sourceFlorida Statutes, s. 627.7011 (roof age and insurance)
Limits on refusing to write or renew a homeowner policy because of roof age.
Open official sourceCitizens Property Insurance flood requirement
When Citizens personal residential policies must also carry flood insurance.
Open official sourceStorm Damage cash-sale questions.
Possibly. We consider houses with hurricane, roof, flood, and water damage. The damage, documents, access, title, and resale context determine whether we can make an offer and what it may be.
Not necessarily. Send the records you have, but the insurer, title company, and qualified advisers should confirm who controls the claim and what any closing requires.
Yes. Share photos, roof records, claim documents, and access information. The property facts, title, and access determine whether we can make an offer and what it may be.
No. HBS evaluates houses for a possible direct purchase. For claim, tax, legal, or policy questions, talk with your public adjuster, attorney, CPA, or insurance professional.
Yes, a house can be sold with a substantial-damage determination, but the buyer takes on the work needed to meet current flood rules, so the price has to reflect it. We review these houses case by case; share the letter, any appeal or appraisal paperwork, and the repair scope. Pinellas County letters from Helene or Milton carry a Dec. 31, 2026 compliance date, and cities set their own.
Get a cash offer for your house as is.
727-497-7766Start with the address and what is going on. There is no obligation to accept the offer.
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