Sell a House with an Open Insurance Claim in Florida
Waiting months on an adjuster, a lowball estimate or a denied claim? You do not have to finish the fight before you sell. We buy damaged Southwest Florida houses as-is, with the claim still open.
Why so many Florida claims drag on
After Hurricanes Ian, Helene and Milton, insurers in Southwest Florida handled huge numbers of claims at once. Many homeowners are still dealing with re-inspections, disputed estimates, appraisal or litigation, while the house sits damaged and the mortgage, taxes and insurance keep coming due.
Your options with an open claim
- Keep the claim and sell as-is. In many cases you can sell the house and continue pursuing the claim yourself, and we price the house for its current condition.
- Settle first, then sell. If a settlement is close, it can make sense to wait for it. We will tell you honestly if that looks like the better move.
- Close remotely. If you have already moved out, we can close through a title company without you coming back.
How a claim is handled at sale depends on your policy, where the claim stands, and whether your mortgage company is named on the claim checks. Talk with your insurer, public adjuster or attorney about the claim itself. We focus on buying the house and keeping the sale simple.
How we help
- Buy with the claim open, disputed, denied or underpaid
- No repairs, no tarps to replace, no mitigation to finish first
- Close at a title company, in person or remotely
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Common questions
Can I sell my house before my insurance claim is settled?
Often, yes. Many homeowners sell as-is and keep pursuing the claim. The details depend on your policy and your mortgage, so confirm with your insurer or adviser.
Do you buy houses with denied claims?
Yes. A denied or underpaid claim does not stop us from making an offer. We price the house for the repairs it needs.
What if my mortgage company is holding the claim money?
That is common in Florida. Tell us where things stand, and the title company will work out payoffs at closing.
Will you give me legal or insurance advice?
No. We buy houses. For questions about the claim itself, talk with your insurer, a licensed public adjuster or an attorney.
We also help with
Storm or flood damage
Sell a hurricane-, flood- or water-damaged home as it sits.
Needs major repairs
Roof, foundation, mold or old systems: we price the work in.
Vacant or unwanted house
Stop paying taxes, insurance and upkeep on a house you don’t use.
Behind on payments
Explore a sale before foreclosure damages your credit further.
Ready to see what we can offer?
Free, no obligation, and no pressure. Get your cash offer or give us a call.