Selling a House With an Active Home Warranty Claim in Florida
2 min read · Last updated 2026-08-03 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®)
Cash Flow Deals is a real option if your Florida house has an open home warranty claim on the AC, water heater, or another system. The claim does not have to be finished and closed before you sell. Cash Flow Deals locks your net price first, sorts out the repair or the warranty payout after, and hands the buyer's lender the documentation it 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. | Net price locked before the claim is finished. Cash Flow Deals structures the closing around the buyer's FHA or conventional underwriting, not 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. | Repairs get scoped and priced after the net price is locked, not used as a reason to reopen the number. |
| 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. | One flat fee, paid as a line item at closing through Cash Flow Deals' licensed brokerage partner. 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
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. It never takes title and it is not a cash buyer. Cash Flow Deals connects your house to a real FHA or conventional buyer whose own lender funds the purchase.
Cash Flow Deals' Process for a House With an Open Warranty Claim
Cash Flow Deals' Process: 1. Request your net-price walkthrough. Cash Flow Deals reviews the open claim and the system it covers as part of the house, not as a reason to delay. 2. Cash Flow Deals connects the property to a real FHA or conventional buyer whose own lender funds the purchase, with the claim status disclosed upfront. 3. Camilo Palacio and the Silver Door Realty team coordinate with the warranty company or price the repair directly into the numbers, whichever closes faster. 4. Title transfers once, seller to buyer, at one signing, for the net price locked at offer time.
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. Cash Flow Deals can lock your net price with the claim still open and sort the repair out afterward.
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.