Selling a House With an Active Home Warranty Claim in Florida

3 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 if your Florida house has an open home warranty claim on the AC, water heater, or another system: 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. The claim does not have to be finished and closed before you sell. With the Premium Cash Offer, we coordinate the repair or warranty payout and provide the documentation your buyer's lender needs to fund the loan.

Factor	Traditional Listing	Cash Flow Deals
Timeline	A buyer's lender on a listed sale often wants the covered repair finished first, adding the warranty company's own scheduling and response window on top of the closing timeline.	You can choose the Fast Cash Offer or Premium Cash Offer before your warranty claim is finished. We buy as-is and close with Fast Cash. With Premium, your pre-approved FHA or conventional buyer buys directly from you, and we coordinate around their lender's underwriting requirements rather than relying on the warranty company's repair schedule.
Repairs	Seller frequently has to complete or front the repair cost, even with an active warranty covering part of it, before a lender will fund the buyer's loan.	With the Fast Cash Offer, we buy as-is; with the Premium Cash Offer, only what your buyer's lender requires gets fixed. We cover repair costs, and we figure out a way, so nothing comes out of your pocket; Premium repair costs are settled from the sale proceeds out of 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.
Fees / Costs	Realtor commission, negotiable since the Sitzer/Burnett settlement took effect August 17, 2024, plus any service-call deductible and repair cost the warranty does not cover.	Premium Cash Offer: Cash Flow Deals is paid as a separate line item on the closing statement. Fast Cash Offer: no listing commission to Cash Flow Deals. No markup on price.

What an Open Home Warranty Claim Actually Means

A home warranty, sometimes called a service warranty, is a service contract that covers repair or replacement of specific systems and appliances, usually for an annual fee plus a per-visit deductible. Companies that sell these plans in Florida operate as Service Warranty Associations, licensed and regulated under Florida Statutes Chapter 634, Part III, through the Florida Department of Financial Services. An open claim just means a covered item, an AC compressor or a water heater, for example, failed and the repair has not been completed yet. It is a service ticket, not a lien and not a title issue.

Does the Claim Have to Close Before You Sell

No statute forces you to finish a claim before selling. In practice, most plans offer seller coverage while the house is actively listed, commonly for up to six months, and the plan then transfers to the buyer for a new term after closing, commonly around a year. Terms vary by provider and by plan, so read your actual contract instead of assuming industry-standard numbers apply to yours. A buyer's mortgage lender may still want proof the repair was completed, or a credit at closing, before funding.

What Cash Flow Deals Actually Is

With Cash Flow Deals, you choose between the Fast Cash Offer and the Premium Cash Offer. With Fast Cash, we buy your Florida house as-is and close, with no repairs for you to make. With Premium, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you using their lender's financing. Your home may be listed 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. On Premium, only what your buyer's lender requires gets fixed, with repair costs settled from the sale proceeds out of our share, not your number. 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.

Cash Flow Deals' Process for a House With an Open Warranty Claim

Cash Flow Deals' Process: 1. Request your walkthrough and compare your Fast Cash Offer and Premium Cash Offer. We review your open claim and the system it covers as part of your house. You choose whether we buy as-is and close or a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. 2. If you choose Premium, you sign with us at an agreed number and give us permission to bring in a buyer in our place. Your buyer signs a new contract directly with you, with the claim status disclosed upfront. 3. Camilo Palacio and the Silver Door Realty team coordinate with the warranty company or arrange the repairs your buyer's lender requires, with repair costs settled from the sale proceeds and nothing out of your pocket. 4. On Premium, title transfers once, directly from you to your buyer, their lender funds the purchase, and we are paid as a separate line item on the closing statement. If your buyer's loan falls through, that is our problem, not yours, and you can still choose the Fast Cash Offer at its own number instead of the Premium Cash Offer.

What If the Repair Turns Out Bigger Than the Warranty Covers

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.

Common questions

Do I have to finish an open home warranty claim before I sell my Florida house?

No. You can compare the Fast Cash Offer and Premium Cash Offer with your warranty claim still open. We buy as-is and close with Fast Cash; with Premium, a pre-approved FHA or conventional buyer we already have, ready to go, 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.

Does my home warranty transfer to the buyer?

Most plans transfer to the new owner for a fresh term after closing, but the exact length and terms depend on your specific contract.

What if the AC or water heater fails during the sale?

It gets handled like any other system issue: priced, disclosed, and worked into the net number instead of stalling the closing.

Will a buyer's FHA lender care about an open warranty claim?

A lender may want confirmation the repair is complete or credited at closing. Cash Flow Deals structures that into the process ahead of time.