Can I sell a fire-damaged house without fixing it?

Yes. We buy fire-damaged homes as-is, including homes that are boarded up or unlivable.

Do I keep the insurance money if I sell?

It depends on what you and the buyer agree in writing, and whether your lender is on the claim. We'll make it clear in the contract.

Do you buy flooded homes?

Yes. Water and flood damage, mold after leaks and storm damage are all situations we buy in.

How fast can you buy?

As little as 10–14 days with clear title.

Fire, storm or water damage? Sell it as it stands

When the insurance check doesn't cover the rebuild, or you simply don't want to go through it, we buy the house in its damaged condition.

No repairs or cleaning
No agent commissions
Funds held by title

Is this you?

The home had a fire, flood, storm or burst pipe
The insurance payout won't cover the full repair
You don't want to manage a rebuild

Your timeline

Close in 10–14 days

Sold as-is

Zero repairs

The short answer

DispoKey buys fire-, storm- and water-damaged houses as-is for cash, before or after the insurance claim settles, so owners can move on without managing contractors, permits and a months-long rebuild.

What weighs on you

We hear this every week

Rebuilds take a long time

Contractors, permits and inspections stack up.

Payouts fall short

Deductibles and limits leave gaps.

Ongoing costs

Mortgage and taxes continue on a home you can't use.

Funds held by a neutral title companyHomes in any conditionYou pick the closing dayInvestor buyers competeNo obligation, everAnswers in 24–48 hoursFunds held by a neutral title companyHomes in any conditionYou pick the closing dayInvestor buyers competeNo obligation, everAnswers in 24–48 hours

Side by side

Your options, honestly compared

Most homeowners pick

Direct sale with DispoKey

Repairs before sale: None
Contractor management: None
Time to cash: As little as 10–14 days
Insurance claim: Work around it

Rebuild, then sell

Repairs before sale: All of it
Contractor management: You
Time to cash: Months
Insurance claim: You manage it

Sell to a retail buyer

Repairs before sale: Usually required for financing
Contractor management: Some
Time to cash: Hard to finance a damaged home
Insurance claim: You manage it

How it works

Four calm steps, at your pace

Tell us what happened

Photos of the damage and your claim status help.

As-is offer

Priced for the house as it is today.

Sort out the claim

Who keeps insurance money is written into the contract.

Close and move on

No rebuild, no contractors.

The short answer

1Tell us what happened
2As-is offer
3Sort out the claim
4Close and move on

Selling with an open insurance claim

You can often sell before the claim is fully settled. The purchase contract should spell out who receives future insurance payments. If your mortgage lender is named on the claim check, they may need to sign off. Your insurance adjuster or a public adjuster can explain the claim side.

Why damaged homes are hard to finance

Most mortgage programs require a home to be safe and habitable. A house with major fire or water damage often won't qualify, which shrinks the pool of retail buyers to cash buyers and renovators. We buy in the current condition — no repairs, cleaning or staging, and you leave behind anything you don't want.

This page is general information, not legal, tax or financial advice. Rules vary by state; for your specific situation, talk with a licensed attorney, tax professional or HUD-approved housing counselor.

Questions homeowners ask

Real people answer

No pressure, no obligation.

Related situations

Property condition

Foundation, roof & mold

Property condition

Unfinished remodels

Tenants & vacant homes

Vacant & abandoned homes

See your options today

Free, private and no obligation. You decide what happens next.