Hurricane Damage??? We Buy Houses with Hurricane Damage!
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How The Process Works
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If it meets our buying criteria, we’ll contact you with an offer.
We’ll present you with a fair written, no-obligation offer Today!
We close at a local reputable title company, cash in your hands in as little as 7 days You choose the date of your closing. Sell your house quickly and easily.
What types of damage does hurricane damage insurance cover?
The high winds and excessive rainfall that come with a thunderstorm, windstorm, tropical storm or hurricane can cause extensive damage to property. Florida law requires homeowner insurance policies to include hurricane coverage for damage caused by wind and rain. Insurance policies should cover:
- Roof damage
- Damage from flying debris
- Moisture damage (e.g., mold, water damage from flooding)
- Broken windows
- Damaged garages or property extensions
- Damaged flooring
What damage your policy covers depends on the fine print in the policy itself, but you should consider the following:
- Where is your home located? If you live on the coast or another “high-risk” location, your policy may not cover your damages.
- Is the damage inside? Hurricane coverage policies should cover interior damage “if the direct force of the windstorm first damages the building, causing an opening through which rain, snow, sleet, hail, sand, or dust enters and causes damage.”
- What does your policy say about flood damage? Pay attention to the specific wording of the flood damage exclusion in your homeowner’s policy.
Be assured that the insurance company understands every word of your policy. That’s why we take a fine tooth comb to the policy to understand all coverage and exclusions. This level of detail and commitment is crucial to recover maximum compensation.
How does the insurance claim process work?
If your house suffered damage in a hurricane, you will need to file a claim with your insurance company as soon as possible after the storm.
The company will then send an adjuster to your property to assess the damage and determine the cost of repairs. These estimates will vary depending on the adjuster’s method for assessing damages.
The insurer will then offer you a settlement based on the adjuster’s estimate of your damages. In many cases, the offer is much lower than it should be. Insurers do this because they know that claimants are often facing significant damage they need to repair fast, and that this creates a sense of urgency to settle.
Your claim may be denied or you may get a low ball settlement offer.
What excuses do insurance companies use to reject claims or offer lowball settlements?
Remember that insurance adjusters are working for the insurance company, not you. And the insurance company is a business hoping to minimize payouts. The insurance company does whatever it can to pay as little as possible.
Insurance companies often cite these excuses to reject claims or offer low settlements:
- The water damage occurred after the hurricane: Insurance companies may claim the water damage occurred after the storm and therefore falls under a separate flood damage policy. Your attorney can dispute this claim by showing that the hurricane caused the water damage.
- Your house is not up to code: If you live in an older house, insurance companies may claim that it is not up to current code and as a result was unable to stand up to the storm.
- Your house is in an unsafe location: As we stated above, your location may be “high-risk.” If your house is located on the beach, the insurance company may claim you assumed the risk.
- Pre-existing damage: Your insurance company may try to claim that mold and other damages existed before the storm even hit.
- Damage caused by storm surge or waves: Houses near the coast have a higher risk of damage from storm surge or waves. As we stated above, you can only recover damage if the storm caused the weakness in the property that enabled the damage.
Timeframe: Once we get your info, we’re usually able to make you a fair all-cash offer within 24 hours. From there, we can close as quickly as 7 days… or on your schedule (sometimes we can have a check in your hand the very same day!).
Selling Your Hurricane Damaged House Can Be A Quick And Simple Process
Now Home Buyers buys houses in and around South Florida (and other areas too!). We’re not listing your house… we’re actually the ones buying your house. Because we pay cash, we’re able to close quickly… or on your schedule. Like we’ve mentioned, when you work with us there are no fees… like there are when you list your house with an agent. What this means to you is you don’t have to worry about extra costs, having to come out of pocket to sell your house fast, or even getting your house ready for a sale (we’ll buy your house as-is).
We will buy your home As-Is! Don’t worry about repairing your property. Don’t worry about cleaning your home… no matter how ugly or pretty it is… no matter the location.
Don’t worry about repairing or cleaning up your property. We’ll buy your house in as-is condition… no matter how ugly or pretty it is… no matter the location.