Ally HomesCallGet my offer!Fire or water damage? You don't have to rebuild to sell.
After a fire, a flood or a long-running leak, the repairs and the paperwork can feel endless. Ally Homes LLC buys damaged houses in Pinellas, Pasco and Hernando County as-is, so you can decide whether to rebuild or move on.
No cost and no obligation. You'll finish a few details on the next page.
Move on without managing the rebuild
As-is, damage and all
Smoke and soot, water damage, mold concerns or a gutted interior. We price the house in the condition it is in.
Works alongside your claim
Whether your insurance claim is open, paid or denied, we can talk through how it fits with a sale. Your policy and your adjuster decide the claim.
No crews, no permits
Skip hiring mitigation and rebuild contractors and pulling permits for work on a house you plan to sell.
We Make It Easy
Need your hand held? Don't need help at all? Tell us what you need, and we're here to help YOU.
Tell us what's going on
Enter address or give us a call. We'll talk about what's going on and find out what works.
We give you a cash offer
We present your no-obligation cash offer, no banks and no institutions.
Close and get paid
Pick your closing date and how you want to get paid. We will handle the paperwork.
What usually matters when selling a damaged house in Florida
Damage changes a sale in a few predictable ways: the insurance claim, the condition of the structure, the local rules about rebuilding, and what you have to disclose. Here is how those generally work.
The insurance claim and the sale
If you have an open insurance claim, how it interacts with a sale depends on your policy and your mortgage. Claim payments for the structure are often issued to both the owner and the mortgage lender. Some owners finish the claim and then sell, and others sell with the claim still open. Talk to your adjuster, and to an attorney or a licensed public adjuster if the claim is disputed, before you decide.
Mitigation comes first
Water left in walls and floors can lead to mold, and a fire-damaged house can be open to weather and trespassers. Most policies expect the owner to take reasonable steps to prevent further damage, such as drying out, tarping or boarding up. Keep receipts for that work.
Flood zones and rebuilding rules
Parts of Pinellas, Pasco and Hernando sit in FEMA flood zones. In those areas, when repairs to a damaged building reach a certain share of its value, local floodplain rules can require the whole building to be brought up to current flood standards, which may mean elevating it. This is often called the substantial damage or 50 percent rule, and the county or city decides how it applies. It can change what rebuilding costs, so it is worth asking the building department early.
Disclosing damage
Florida sellers are generally expected to disclose known conditions that materially affect value and aren't easy for a buyer to see. That includes past fires, flooding and water damage, and the repairs that were made. Being upfront protects you and makes the sale smoother.
Selling as-is
When you sell a damaged house as-is, the buyer takes on the cleanup, the rebuild and the permitting, and the price reflects that work. For some owners, especially when insurance won't cover everything or when they don't want to manage a rebuild, that trade is worth it. For others, repairing first makes more sense. We will help you see both.
Common questions
Can I sell my house with an open insurance claim?
Often, yes, but how it works depends on your policy, your lender and the claim. Talk to your adjuster before you sign, and we will work with the answer you get.
Who keeps the insurance money if I sell?
That depends on your policy, your mortgage and what the sale agreement says. Structure payments are often made out to both you and your lender. Get advice from your adjuster or an attorney so the agreement reflects it.
Do I have to clean up or remove debris first?
No. We buy as-is. It still helps to secure the house and prevent further damage while you decide.
Will you buy a house in a flood zone?
Yes, we look at houses in flood zones. The zone and any rebuilding rules affect the price, and we will explain how.
Is a badly damaged house worth anything?
Usually, yes. The land and the structure still have value, even when the damage is serious. Our offer is based on what the house could be worth after repairs, minus what those repairs will realistically cost.
Decide what's next without a rebuild hanging over you.
Get your offer or call (727) 346-8266 when you are ready.
Get my offer!