Last updated: February 2026
How to Sell a Fire-Damaged House in Florida
Last updated: February 2026
Quick Answer
You can sell a fire-damaged house in Florida as-is. Whether minor smoke damage or major structural burns, cash buyers like FL Home Buyers purchase fire-damaged properties in any condition. We close in 7-21 days and handle all demolition, debris removal, and reconstruction.
Selling During an Insurance Claim
If you have an active insurance claim, you can still sell. Many homeowners assign their insurance claim to the buyer or settle the claim first and sell with proceeds. At FL Home Buyers, we work with homeowners in both scenarios. If your claim was denied or your coverage is insufficient (common in Florida with high deductibles and coverage caps), selling to a cash buyer avoids the months-long claims fight.
Fire Damage Repair Costs in Florida
Fire restoration in Florida typically costs $10,000-$50,000 for smoke damage and partial burns. Major structural fires can cost $100,000-$300,000+ to restore. Beyond the fire itself, you face smoke odor remediation ($3,000-$15,000), water damage from firefighting ($5,000-$25,000), and potential asbestos or lead abatement in older homes ($5,000-$30,000). Many homeowners discover their insurance payout doesn't cover full restoration costs.
Why Traditional Sales Fail for Fire Damage
No conventional lender will finance a fire-damaged property. FHA, VA, and USDA loans require the home to be habitable. Even after repairs, the stigma of a house fire reduces buyer interest and appraisal values. Cash buyers are often the only viable market for fire-damaged properties.
Our Process for Fire-Damaged Properties
We assess fire-damaged properties within 48 hours of contact. Our contractor team evaluates structural integrity, mechanical systems, and restoration scope. We make a written cash offer within 24 hours of our visit. You choose your closing date — we handle everything from debris removal to full reconstruction after purchase.
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No repairs. No fees. Close in 7-21 days.