Last updated: February 2026
Can You Sell a House With Water Damage in Florida?
Last updated: February 2026
Quick Answer
Yes — Florida law requires disclosure of known water damage, but you can absolutely sell as-is. Cash buyers like FL Home Buyers purchase water-damaged properties without requiring repairs. We handle remediation ourselves after closing.
Florida Water Damage Disclosure Requirements
Under Florida Statute §689.25, sellers must disclose all known material defects, including water damage history. This includes past flooding, roof leaks, plumbing failures, and any resulting mold. Failing to disclose can result in lawsuits for fraud or misrepresentation even years after closing. When selling to a cash buyer who purchases as-is, disclosure risk is minimized because the buyer acknowledges the condition.
How Much Does Water Damage Reduce Home Value?
Water damage typically reduces a Florida home's value by 10-25% depending on severity. Minor cosmetic damage (ceiling stains, some warped flooring) has less impact than structural issues or active mold. However, the real cost isn't just the value reduction — it's the $3,000-$30,000+ in mold remediation, $2,000-$15,000 in flooring replacement, and $8,000-$35,000 for roof repairs that traditional buyers will demand before closing.
Why Traditional Buyers Avoid Water-Damaged Homes
Most conventional lenders (FHA, VA, USDA) won't finance homes with active water damage or mold. Even if a buyer qualifies for conventional financing, their insurance company may refuse coverage or require remediation first. This means your buyer pool shrinks dramatically. Cash buyers bypass all financing and insurance hurdles, making them the practical option for water-damaged properties.
Sell Your Water-Damaged House As-Is
At FL Home Buyers, we purchase water-damaged homes throughout Florida. As licensed general contractors, we know exactly what repairs cost — so we don't lowball guessing. We close in 7-21 days, pay all closing costs, and handle every aspect of remediation after purchase. No repairs, no cleanup, no contractor coordination required on your part.
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