Selling a House With Hurricane Damage in Florida
5 min read · Last updated 2026-08-03 · Reviewed by Joseph Mena, CFO of Cash Flow Deals. · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®)
Cash Flow Deals gives you two choices for your Florida house with unrepaired hurricane damage: the Fast Cash Offer, where we buy your house as-is and close, and the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. You choose. With Premium, we cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what the buyer's lender requires gets fixed, with costs settled from the sale proceeds from our share. The number is agreed before any work starts, and it changes only if you agree. 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.
| 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 | You choose the Fast Cash Offer, where we buy as-is and close, or the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have pays more and buys directly from you. The number is agreed before any work starts, and it changes only if you agree. 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. |
| 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
If your house has an active leak, exposed roof decking, or unrepaired wind damage, an FHA or conventional buyer's lender may require repairs before funding the purchase. The appraiser can flag the damage, the underwriter can hold the loan, and your buyer may walk away or ask for a price cut. While you wait, you may be carrying two mortgage payments or facing an insurance policy that gets harder to renew as the damage stays open to the weather. Cash Flow Deals gives you the Fast Cash Offer and the Premium Cash Offer so you can choose how to move forward. With Fast Cash, we buy your house as-is and close. With Premium, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. Only what that buyer's lender requires gets fixed. We cover repair costs, and we figure out a way, so nothing comes out of your pocket; those costs are settled from the sale proceeds from our share.
What Cash Flow Deals Is, In Plain Terms
With Cash Flow Deals, you compare the Fast Cash Offer and the Premium Cash Offer for your storm-damaged Florida house. With Fast Cash, we buy your house as-is and close; you make no repairs. With Premium, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. You choose. Your Premium sale may include a listing through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what the buyer's lender requires gets fixed, and those costs are settled from the sale proceeds from our share. The number is agreed before any work starts, and it changes only if you agree. 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.
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 walkthrough that accounts for your visible storm damage and compare the Fast Cash Offer and Premium Cash Offer. With Fast Cash, we buy your house as-is and close. With Premium, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. You choose. 2. The number is agreed before any work starts, and it changes only if you agree. 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. 3. If you choose Premium, you sign with us and give us permission to bring in a buyer in our place. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what the buyer's lender requires gets fixed, with costs settled from the sale proceeds from our share. 4. Your Premium buyer signs a new contract directly with you, their lender funds the purchase, and title transfers once, directly from you to them. Your home may be listed through Silver Door Realty, our licensed FL brokerage partner, with a licensed agent and scheduled showings. If the buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number instead of the Premium Cash Offer. 5. Your insurance claim history and any FEMA paperwork get disclosed and handled alongside closing, not held over your head.
When You Can Decide Whether to Accept a Revised Number
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 an FHA or conventional buyer's lender will usually require the repair before funding. With Cash Flow Deals, you choose between the Fast Cash Offer, where we buy your house as-is and close, and the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. With Premium, we cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what the buyer's lender requires gets fixed, with costs settled from the sale proceeds from our share. The number is agreed before any work starts, and it changes only if you agree. 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.
How is Cash Flow Deals different from a cash-buying investor?
You choose between the Fast Cash Offer and the Premium Cash Offer. With Fast Cash, Cash Flow Deals buys your house as-is and closes. With Premium, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. That buyer signs a new contract directly with you, their lender funds the purchase, and title transfers once from you to them. Your Premium sale may include a listing through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. We are paid as a separate line item on the closing statement. If the buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number instead of the Premium Cash Offer.