Selling a House With Hurricane Damage in Florida
3 min read · Last updated 2026-08-03 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®)
Cash Flow Deals buys Florida houses with unrepaired hurricane damage and locks the net price before repairs are scoped. A traditional listing means disclosing the damage, paying for repairs before close, and waiting through buyer financing. Cash Flow Deals locks a net price first, through its licensed FL brokerage partner, then re-costs only if something structural surfaces later.
| Factor | Traditional Listing | Cash Flow Deals |
|---|---|---|
| Timeline | A buyer's FHA or conventional lender often delays or denies funding until wind and water damage is repaired and re-inspected, adding weeks or months | Net price locked before repairs are scoped, so the timeline doesn't wait on a repair-then-reinspect cycle |
| Repairs | Seller usually pays out of pocket for roof, drywall, or flooring repairs before an appraisal will clear the loan | Cash Flow Deals arranges the sale around the damage as-is, and repairs get priced in instead of required upfront |
| Fees / Costs | Standard commission plus repair costs plus carrying costs while the house sits unsold | Cash Flow Deals is paid as a line item on the closing statement, not a markup on price |
Why Hurricane Damage Scares Off Traditional Buyers
FHA and conventional lenders won't fund a purchase against a house with an active leak, exposed roof decking, or unrepaired wind damage. The appraiser flags it, the underwriter holds the loan, and the buyer either walks or asks for a price cut that eats into whatever the listing was supposed to net. A seller stuck holding storm damage and a house that won't close often ends up carrying two mortgage payments, or an insurance policy that gets harder to renew the longer the damage sits open to the weather. Cash Flow Deals is built around exactly that problem. The property still needs to close with a real financed buyer, so the fix is pricing the damage into the deal from day one instead of letting an appraisal kill it mid-contract.
What Cash Flow Deals Is, In Plain Terms
Cash Flow Deals is a Florida real estate investor that locks in a net price for a seller's house before repairs are scoped, using a novation-based, flat-fee process arranged through its licensed FL brokerage partner, Silver Door Realty — not a traditional listing, and not a brokerage itself. For a storm-damaged house, that means the seller gets a firm number for the roof, the water intrusion, and the siding before any contractor sets foot on the property, instead of finding out what the damage costs after a buyer's appraiser does.
What Florida Law Requires You to Disclose
Florida Statute 689.302 requires a seller to give a buyer a written flood disclosure at or before the sales contract is signed. It covers whether the seller knows of flooding that damaged the property, whether a flood insurance claim was ever filed, and whether the seller received federal assistance, including FEMA aid, for the property. That requirement took effect October 1, 2024, and was expanded October 1, 2025 to cover any flooding the seller knew about, not just flooding tied to an insurance claim. Separately, the Florida Supreme Court's 1985 Johnson v. Davis decision requires a seller to disclose any known defect that materially affects value and isn't obvious to a buyer, roof damage and wind intrusion included. Skipping either disclosure doesn't make the damage go away. It moves the risk from the closing table to a lawsuit after closing.
Cash Flow Deals' Process for a Storm-Damaged House
Cash Flow Deals' Process: 1. Request a net-price walkthrough that accounts for the visible storm damage. 2. Get a locked number before any drywall comes down or any roofer sets foot on the property. 3. Cash Flow Deals connects the property with a real FHA or conventional buyer whose own lender funds the purchase. 4. Title transfers once, directly from seller to buyer, through a novation arranged by Cash Flow Deals' licensed FL brokerage partner. 5. Insurance claim history and any FEMA paperwork get disclosed and handled alongside closing, not held over the seller's head.
When the Locked Price Can Still Change
The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. On a storm-damaged house, that clause exists for the rot behind a wall that a roof leak fed for months without anyone knowing, not for the damage already visible at the walkthrough.
Common questions
Do I have to disclose hurricane damage if I'm selling as-is in Florida?
Yes. Selling as-is changes who pays for repairs, not what you have to tell the buyer. Florida's Johnson v. Davis rule and the flood disclosure required under Florida Statute 689.302 both apply regardless of an as-is clause.
Will FEMA assistance or a flood insurance claim show up during the sale?
The seller discloses it directly. Florida Statute 689.302 requires stating whether a flood insurance claim was filed or FEMA assistance was received for the property, and that disclosure has to reach the buyer at or before the contract is signed.
Can I sell a house with an active roof tarp or unrepaired wind damage?
Yes, but a traditional FHA or conventional buyer's lender will usually require the repair before funding. Cash Flow Deals prices the damage into a locked net number instead of waiting on a repair-then-reappraisal cycle.
How is Cash Flow Deals different from a cash-buying investor?
Cash Flow Deals doesn't take title and isn't the buyer. The property transfers once, directly from seller to a real FHA or conventional buyer, through a novation arranged by Cash Flow Deals' licensed FL brokerage partner, Silver Door Realty.