Sell Your Fire Damage House in FL for Cash

Published on June 4th, 2023

Selling a House With Fire Damage in Florida

Sell Your Fire Damage House in FL for Cash

We Buy Burned Houses As-Is

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We Buy Burned Houses As-Is, including damaged furniture and remnants of destroyed items, making the effort to revitalize the property into a fully functional home. You can trust us to handle the purchase price, ensuring that the profit from the proceeds goes towards restoring the property and taking the necessary steps towards a safe and comfortable living environment.


In some cases, a fire-damaged house might be located on a lot that includes an undamaged pool or other structures. Our aim is to work with fire departments, contractors, and other experts to ensure that the property is safely restored or cleared for new housing construction as a result. We also collaborate with the fire department to coordinate any required cleanup efforts, ensuring the property is brought back to its original condition.

How To Sell a Fire Damaged Home in Florida (3 Ways)

Disclaimer: Though we are seasoned fire damage house buyers and are considered experts in the real estate industry, we are not giving you any legal, financial, or medical advice. If what you read in any of our articles makes sense to you, please consult with your attorney, financial advisor, or doctor before making any decisions regarding your health or assets.

  1. Sell To A Real Estate Investor That Buys Fire Damaged Homes in Florida
  2. Sell the House as-Is (A Few Downsides and Time Consuming)
  3. Sell the House to a Local Home Buying Company (A Few Downsides)
Sell the House as-Is

Did you know the number of yearly house fires has been declining for the last 40 years? The issue is in today's world, house fires cause far more damage maybe because we have more stuff or more technology or lower-quality materials. The national average loss per house in 2020 was about $23k. Most of the contents and possessions, including furniture, are no longer salvageable, and the structure may be unsafe to inhabit or rebuild without considerable effort and expense from contractors. The National Fire Protection Association is a great source to find tons of stats and research. They also have lists of helpful tips, licensed professionals, and fire restoration experts in your area to help after a home fire.


Here are more interesting facts:


  • 49% of house fires happen from cooking - Source
  • It takes 3.5 Min for the fires temp to get to over 1000 degrees Fahrenheit
  • About 360k house fires occurred in 2020
  • 1000+ fires happened because of portable heaters


For more statistics visit Policy Genius and The Zebra

Selling a House With Fire Damage As Is in Florida

Selling a House With Fire Damage As Is in Florida

We specialize in buying fire-damaged houses. As real estate investors, we see an opportunity to not only help you out of a traumatic situation but also restore the house to its former state, creating safe and comfortable housing for future occupants.


We've helped sellers in really bad situations, like the city putting an interest-bearing lien on the property, making it near impossible to sell. We know who to talk to, how to talk to, and how to negotiate with the city. Our process is made SIMPLE for sellers, to learn how it works. The last thing you need is a complicated selling process when you're selling fire-damaged property, burned houses, or fire-damaged houses. If you're considering if you want to sell a fire-damaged house, or selling fire-damaged property, fire cash buyers can walk you through the process from A-Z. Our process is made SIMPLE for sellers, learn how it works. The last thing you need is a complicated selling process when you’re selling fire-damaged property, burned houses, or fire-damaged houses. No matter your experience in these situations, if you're considering whether you want to sell a fire-damaged house or sell fire-damaged property, fire cash buyers can walk you through the entire process from A-Z, ensuring a seamless experience.


We just closed on a property with a challenging background, including home fires and wildfires. It took 28 days (5 days before the scheduled closing day), we bought it as is, we were a cash buyer, and we paid all closing costs, including additional costs. The city tried to block the transaction, but our team of experts, including a real estate agent and an insurance adjuster, managed to take action and overcome these challenges. The seller sat back and collected her check, and we can do the same for you. Remember that investment has risks, but we are here to help you make the best decision possible by streamlining transactions.


We'd advise, before finishing the article, considering a no-pressure, no-obligation cash offer to discuss your burned house or property with Joel or someone on our experienced team. We can assure you, if you're ready to sell, you've come to the right investor. Just look at our reviews. No one can touch our level of expertise and dedication to ensuring a smooth process for you.


You can visit our full guide on house fire victim assistance in Florida to find more available options if you're interested in selling or not.

  • How Do I Price My Fire Damaged Home in Florida?

    We like to take a look at the fire report as a great starting place. Typically everything touched by the flames have to be replaced or undergo a fire restoration. The fire damage isn't the only thing to consider, there's also smoke damage. Usually the firefighters efforts to put out the flames creates water damaged and mold damage if left untouched, causing significant damage. There is a lot going on when a house experiences a fire. This is why you want to set the asking price your house as low as you can go because 9 times out of 10, the house is already condemned, needs extensive fire restoration, or needs to be demo based on the extent of the fire. If you received the insurance claim payout, sell the house for the difference in home value you did not receive. This will make for a fast sale, in most cases. Read our full guide on pricing your fire damaged house as is.

  • How Much Money Do I Get If My House Burns Down in Florida?

    It's based on percentages. If your home is valued at $500,000 and you have 75% personal property coverage you'll get $325,000 to replace everything lost including your personal belongings in your burned house today. Check your policy because it may be broken out into replacement cost or the  actual cash value. The great thing is after you get your insurance payout, you can sell house as is for additional cash and less stress.

  • Who Would Buy My Fire Damaged Home in Florida?

    We do! We want to buy your fire damaged house fast without the need for real estate agents and real estate fees! We work to make it a win-win for both parties whether you had an insurance payout or not. Many factors go into our offer price but we stand to make it fair in order for us to complete repairs and make the burned house habitable again by restoring it to pre fire condition.


    There are also a few real estate investors that will take on a house as is that have been involved in home fires, with an extensive background in home repair and clean up in your local area. One of the main reasons is to buy in an area where home prices are very high.

Sell a House with Fire Damage in Florida

Is It Legal to Sell a House with Fire Damage in Florida?

Yes, it is legal to sell your fire-damaged home, but you must disclose its background, including that a fire occurred. It won't be easy to do it on the regular property retail market, but there are other avenues you can explore. Most buyers are not interested in buying a home that has been damaged by fire. However, real estate investors are willing to buy "fire-damaged home as is" and pay cash. If you're wondering if you should hire a lawyer after a house fire, you can visit our full guide.

  • Do I Have To Disclose Fire Damage When Selling My Home in Florida?

    If your home has been damaged by fire, you may be wondering if you are required to disclose this information to potential buyers.


    Short answer is 100%, Yes.  By law you are required to let buyers know there has been fire damage. In most cases a small group of investors buy fire damaged homes and love the challenge of bring them back to life.


    Honesty is the best policy if a fire happened at your home. You wouldn't want to buy a house then discover there was serious damage that was not disclosed to you prior to the sale from a house fire or electrical fire.


    Selling a fire damaged property as is does not exempt the seller from disclosures.


    - Investopedia 

  • My House Burned Down Do I Legally Still Own The Land in Florida?

    It Depends. Typically, when you purchase a home, you do own whatever lies in and around the property. However, in some parts of the country, homeowners are realizing the land they paid for does not include the land beneath it. A home builders or home sellers, may own the mineral rights.

  • Fire Department Caused Lots of Damage in Florida, Are They Liable?

    Great question, we've written a whole answer on this  topic that discusses what fire departments are liable for during their firefighting efforts and what type of fire damage restoration your home might need.

Typical Causes Of a House Fire in Florida

Typical Causes Of a House Fire in Florida

One of the major causes of house fires and fire damage is kitchen appliances or cooking equipment. It is estimated to account for 48% of all American house fires. Some stoves or stovetops are not used. The most common fire-related death and injury are from stove cooking. Fireplace. There have been incidents from unsupervised burns to improper fire service on a stove, and even vandalism causing fires. Fires can happen in many ways, although many are common. Kitchen fire remains at the top of the list. In addition to kitchen fires, other risks include faulty electrical wiring, overlooked smoking materials, and even sparks from outdoor fire pits. Here is a list of the common causes of house fires:

Repair Costs and Repairing Fire Damage in Florida

Repair Costs and Repairing Fire Damage in Florida

After a fire, your home may need major repairs or even a complete renovation project. House fires will inevitably affect the value of your property when you go to sell a fire-damaged house, with the asking price being impacted by several factors, including the extent of fire damage to the walls, windows, and the belongings left inside. HomeAdvisor says, on average, repairing fire or smoke damage costs $2,800 up to $34,000.



  • The extent of the fire damage restoration
  • The age and condition of your house before the fire-damaged house
  • The condition of your property's title and history
  • The amount of smoke damage in your house
  • The extent of any water damage
  • If any water damage comes mold damage
  • If there is an active court order to demo or repair the property
  • The current market value



It is crucial to have a professional home inspector assess the damage before repairs before you try to sell the for-damaged house. They will give you an estimate on how much it will cost to repair the damage, taking into account details like the roof and structural integrity, and how much your house will be worth once repairs are complete. As cash home buyers, we specialize in seeking properties after a house fire, even if the fire caused the property to be a total loss, and we make cash offers. With proper permission, you can hire a professional cleaning company to clear out the house (AMFAM says it cost up to $50k for significant damage) and help you salvage anything possible, especially critical documents like your mortgage docs, receipts, and other essential paperwork. They can also lend a variety of helping hands, from removing personal belongings to recovering items from fire-damaged pockets.

Insurance Company and Homeowner's Policies After A Fire in Florida

Insurance Company and Homeowner's Policies After A Fire in Florida

The most important thing to know is that a fire can be a costly disaster, even if it's small! Navigating the challenge of insurance after a fire can be overwhelming. If you have homeowner's insurance, the company will deal with the cost of repairs and firefighting efforts, and your mortgage lender and the company will forgive payments. These policies often provide coverage for various aspects of fire-related damages.


However, if you don't have homeowner's insurance and live in a condo or apartment building, you may have to pay for all or part of the damage yourself. In addition, you should also consider whether or not your renter's insurance will cover any damages from fires or if realtors in your area could help you find a suitable rental property along an alternative route. Always consult your insurance company. Even if you have no insurance, there are people and ways we can help with the benefits of our expertise.

Where Can I Learn About the Fire Insurance Claim Process in Florida?

Fire Insurance Claim Process in Florida

The next thing to estimate is what your house is worth after a fire. For example, if your home has been severely damaged by smoke and water, it might only be worth half as much as it was before the fire. In this case, you may have a choice about whether to repair the damage or sell the house as-is. It's important to determine how much impact this had on the property value before negotiating selling prices with potential buyers to get the best price possible - this would be the biggest benefit for selling your home to an experienced home buyer without having to do all the work of repairing damaged items.


Sometimes we deem it's better if you work with a claims adjuster after we have a phone discussion to learn more about your specific situation and the current condition of your home. In many cases, a regular insurance agent's goal is to meet your policy for your insurance claim. For most people, an adjuster will be your advocate to receive your' policy's full payout, which in turn helps determine the selling price of your property. Sometimes, dealing with insurance companies and land owners can be stressful if you lack the necessary knowledge. By working with professionals, you give yourself the best chance to navigate this challenging process.a

Selling With Smoke or Soot Damage in Florida

Selling With Smoke or Soot Damage in Florida

If you've had your home damaged by fire, the first step is to call an insurance company. They will tell you your options and how much help they can provide for you at different levels. You'll need to understand the extent of the damage, from smoke and soot to structural issues, to make the best decision for your home's future. For example, some policies will cover the cost of a contractor to come in and repair any property damage caused by smoke or soot, whereas others won't. With so many choices available to purchase, it's a good idea to conduct an evaluation to find a policy that best suits your needs.


Your lucky number is four: The four things that you need to know about contracts for selling a house with smoke or soot damage include:


  1. Your contract must have a clause that states that "the property is being sold as is" because the damage may go unnoticed by potential buyers.
  2. Your contract may include other clauses that dictate when it needs to be re-inspected after a certain amount of time (2-3 years). They ensure that if there is any further damage done to the property in that period, you're not liable for it.
  3. You must mention what kind of repairs are needed at the time of sale to avoid confusion later.
  4. You'll need an inspector's report before the sale can happen. The inspector will examine the property and sign off on it if they deem it safe enough for habitation within reasonable standards if you want to sell or need to sell right away.

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3 Well Known Ways To Sell A House With Fire Damage in Florida

Whenever discussing an offered price, keep in mind the person or company taking over the property will need to deal with not only the fire damage but smoke damage, water damage, and mold damage from the water. The cash value of your home in such a situation will likely be lower due to the cost of repairing these damages.



If you decide not to sell or repair your home the city may come in and decide to demo your home and put liens on your property. This situation happens other and makes it nearly impossible for anyone to buy it.


Whenever discussing an offer price, keep in mind the person or company taking over the property will need to deal with not only the fire damage, but smoke damage, water damage and mold damage from the water.

1. Sell To A Real Estate Investor That Buys Fire Damaged Homes in Florida

An investor is someone who buys houses, even fire-damaged houses, with the intention of flipping them or renting them out once they're brought back to life. We are usually willing to pay more for the home because we do this for a living and know our numbers. If you sell your home to us, we need a walkthrough to give you a cash offer right away – pictures would be enough. We typically close within 30 days while offering to pay your closing cost.


We always use a title company or closing attorney to keep both ourselves and ourselves safe in the transaction. We need to ensure the title is clear and transferable. We NEVER wire you money directly; the 3rd party title company or attorney handles that. If there are any complications with the mortgage company, insurance company, or the city because of any code violations, our team handles all of that. All you would need to do is sit back and wait until the title company calls you to schedule your closing day and be prepared to pay for closing costs and other real estate transfer fees.

2. Sell the House as-Is (A Few Downsides and Time Consuming)

If your house has sustained extensive fire damage, it may be best to sell it as-is. This means that you will sell the house without doing any fire damage repairs, and the buyer will be responsible for completing any necessary repairs themselves. This can be a difficult option to sell, as few buyers are interested in buying a home with extensive repairs to be made. However, it is possible to find a buyer if you are willing to wait long enough when you work with real estate agents. The closing date might also be drawn out with fire-damaged properties, even if only a small portion of the home was damaged. If you sell your house to a realtor, you also have to factor in realtor fees when you sell your house, even to cash buyers if you sold your house today to the right buyer.

3. Sell the House to a Local Home Buying Company (A Few Downsides)

A home-buying company is a company that specializes in buying and repairing damaged homes. They will usually pay cash for your home at a median sale price and then take on the responsibility of repairing it. This can be a great option for those who don't want to deal with the hassle of repairing their home themselves or who don't want to wait for a traditional buyer to come along. Out of the many downsides, the main one is the majority of these companies have never rehabbed a fire-damaged house, so their cash offer will need to hedge risk by offering you a lower price to make room for errors in their repair estimates.

Recent Facts

1. After a house fire, it is important to assess the damage and determine if the structure is still safe to live in.

2. It is important to contact your insurance company as soon as possible after a fire to start the claims process.

3. It is important to contact a fire damage restoration company to help with the clean-up and repair of the home.

4. Depending on the severity of the fire, it may be necessary to replace some of the home’s wiring and plumbing.

5. Smoke and soot damage can be difficult to clean up and may require professional help.

6. It is important to document all damage for insurance purposes.

7. If the home is deemed unsafe to live in, it may be necessary to find temporary housing while repairs are being made.

8. If the fire damage is extensive, it may be necessary to completely rebuild the home.



Recent Statistics

1. The average cost to repair fire damage to a home is between $2,000 and $10,000, depending on the extent of the damage. (No Percentage)

2. According to the National Fire Protection Association, there were 1,319,500 reported fires in the United States in 2018. (No Percentage)

3. Of those reported fires, 2,790 resulted in civilian deaths. (0.2% of reported fires)

4. In 2018, fires caused an estimated $23.7 billion in property damage. (No Percentage)

5. The leading cause of residential fires in 2018 was cooking, accounting for 43% of all residential fires. (43%)

6. Heating equipment was the second leading cause of residential fires, accounting for 15% of all residential fires. (15%)

7. Electrical distribution and lighting equipment was the third leading cause of residential fires, accounting for 11% of all residential fires. (11%)


Joel Efosa

Author | Real Estate Investor

My name is Joel, and my team and I buy houses in a few states across the US. We are a local, family-run business committed to the highest standards of quality and integrity.

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