Last updated: March 2026
Sell Your Fire Damaged House in Florida
Last updated: March 2026
Kitchen fire, electrical fire, or total loss, it doesn't matter. Insurance claims drag on for months. Traditional buyers won't touch it. We buy fire-damaged Florida homes as-is for cash. Close in 7-21 days. Even with pending insurance claims.
Get My Cash OfferWhy Fire-Damaged Homes Don't Sell Traditionally
A house fire changes everything. Even a small kitchen fire leaves smoke damage that traditional buyers can smell the moment they walk in. Insurance adjusters drag their feet. Contractors quote $50,000+ for reconstruction. And your mortgage payment doesn't stop just because your house burned.
In Florida, fire-damaged properties sit on the market for months. Lenders won't finance them. Buyers can't get insurance on them. So you're stuck holding a property you can't live in, can't sell, and can't afford. But we buy fire-damaged homes every month. Max Cohen, Licensed General Contractor (CGC1534000), personally evaluates structural damage and knows exactly what reconstruction costs.
Insurance Claims Don't Have to Hold You Up
Many homeowners think they have to settle their insurance claim before selling. Most people find that always true. We can work around pending claims. In some cases, we purchase the property and you assign the insurance proceeds. In others, we close while the claim processes separately. Either way, you don't have to wait 6-12 months for the adjuster to finish.
Types of Fire Damage We Handle
Kitchen Fires
The most common type. Grease fires, electrical shorts, appliance malfunctions. Even small kitchen fires cause extensive smoke and heat damage throughout the house.
Electrical Fires
Older Florida homes with outdated wiring are prone to electrical fires. Damage often hides inside walls, making full rewiring necessary.
Total Loss Properties
When the structure is destroyed but the land has value. We buy the lot, handle demolition of remaining structure, and rebuild or resell.
Smoke Damage Only
No visible flame damage, but smoke has permeated walls, ceilings, insulation, and HVAC. Remediation is expensive and the smell lingers for years without professional treatment.
What Fire Damage Really Costs You
Reconstruction after a fire runs $50 to $200 per square foot in Florida. A 1,500 sq ft home with moderate fire damage? You're looking at $75,000-$150,000 before you can even list it. And that doesn't count the months of carrying costs while contractors work.
Smoke remediation alone costs $3,000-$25,000 depending on severity. Roof replacement after a fire runs $15,000-$40,000. And here's the part nobody tells you: even after full restoration, fire-damaged homes sell for 15-30% less than comparable undamaged homes. Buyers know.
Skip the Rebuild. Sell As-Is.
We don't need you to rebuild. We don't need you to clean up. We buy the property in whatever condition the fire left it. Our construction team handles everything after closing.
Rebuilding vs. Selling As-Is After a Fire
| Factor | Traditional Sale | Cash Sale to FL Home Buyers |
|---|---|---|
| Reconstruction Cost | $75,000-$150,000+ | $0 |
| Timeline to Sell | 6-18 months | 7-21 days |
| Insurance Hassle | You manage the claim | We work around it |
| Mortgage During Rebuild | Still paying monthly | Paid off at closing |
| Final Sale Price vs. Undamaged | 15-30% below market | Fair as-is offer |
How We Buy Fire-Damaged Properties
Contact Us About the Fire
Tell us what happened, the extent of damage, and your insurance situation. We've handled everything from kitchen fires to total losses.
We Assess the Damage
Our licensed contractor visits within 48 hours to evaluate structural integrity, smoke damage, and property value. We know what reconstruction costs because we do it ourselves.
Cash Offer
You get a fair offer within 24 hours. We factor in reconstruction costs so you don't have to. No lowball games.
Close Fast
We can close in 7-21 days for straightforward cases. If insurance is involved, we work with your timeline.
Real Example: Kitchen Fire in Lake Worth
A grease fire destroyed the kitchen and caused smoke damage throughout a 3-bedroom home. The homeowner's insurance claim was stuck in review for 4 months. Two contractors gave quotes over $85,000 for reconstruction. We bought the property as-is for cash, closed in 12 days, and the homeowner used the proceeds to relocate. We handled the full rebuild ourselves.
Questions About Selling a Fire-Damaged House
Can I sell a house with fire damage in Florida?
Yes. You can sell as-is to a cash buyer without making any repairs. We buy fire-damaged properties in any condition, from smoke damage to total loss.
What if my insurance claim is still pending?
We can work with pending insurance claims. Depending on the situation, we either close around the claim or structure the sale so insurance proceeds are handled separately.
How much does fire damage reduce home value?
Fire damage typically reduces value by 20-50% depending on severity. Even after full reconstruction, the stigma reduces value by 15-30%. Selling as-is avoids the reconstruction gamble.
Do I need to clean up before selling?
No. We buy the property exactly as the fire left it. No cleanup, no debris removal, no boarding up. We handle everything.
Your House Burned. You Don't Have to Burn Through Your Savings Too.
Get a cash offer on your fire-damaged property and move forward. No reconstruction. No insurance fights.
We Handle This Situation in Every Florida County
See local market data and get a fair cash offer in your county: