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Sell Your House With an Old Roof or No Insurance in South Florida

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Cash for Your House, Old Roof and All

If your roof is getting older, your insurer may raise your rate, demand a new roof or drop you. Without insurance, most buyers can’t get a mortgage. We buy houses for cash, as-is, so the roof and the insurance don’t stop the sale.

  • No roof replacement needed
  • No insurance needed for us to buy
  • Close in as fast as 7 days, usually 2–3 weeks
  • No fees or closing costs; investing in Florida real estate since 2015

Why Old Roofs Make Florida Homes Hard to Sell

  • Insurers look hard at roof age. Under Florida law, an insurer can’t refuse a policy just because a roof is under 15 years old. Once it’s 15 or older, the insurer can require an inspection, and if it shows less than 5 years of life left, coverage can be refused until the roof is replaced.
  • Citizens has its own limits. Citizens, Florida’s state-backed insurer, has required proof of remaining roof life for shingle roofs over 25 years old and tile or metal roofs over 50.
  • Older homes face more inspections. Insurers often require a 4-point inspection (roof, electrical, plumbing, heating and cooling) on older homes, and a problem in any of the four can block a policy.
  • No insurance means no mortgage. Lenders won’t fund a loan on a house that can’t be insured, so most buyers drop out.
  • A new roof is a big, slow expense. It often costs many thousands of dollars and takes weeks to schedule and permit.

Insurance rules change often. Your agent can confirm what applies to your policy.

DON’T WAIT ANY LONGER.

SELL YOUR HOME TODAY. CALL NOW!

(954) 478.3466

Your Options

OptionWhat it takesMakes sense if
Replace the roof, then listMoney up front, permits, weeks of workYou have the cash and time, and the rest of the house is in good shape
Find a buyer paying cash on their ownMarketing and waiting for the right buyerYour area draws cash buyers
Sell to us for cash, as-isOne call and a walk-throughYou don’t want to pay for a roof, or your coverage is ending soon

Speed
Cash offers are typically quicker than traditional home sales. There is no need to wait for a mortgage to be approved, which can take several weeks or even months. .

Certainty
Cash offers are usually considered more certain than traditional home sales because the buyer has the funds readily available and does not need to secure financing. This can help to avoid last-minute complications or delays in the closing process.

Simplicity
Selling a house through a cash offer can be a straightforward process. There is no need to make repairs or improvements to the property, and there is no need to stage the home for showings.

Flexibility
Cash buyers are often willing to close on a date that is convenient for the seller. This can be especially beneficial if you need to move quickly or are looking to avoid a long closing process.

Avoiding Foreclosure 
In some cases, cash buyers may be able to help homeowners avoid foreclosure by purchasing their property quickly.

Got a nonrenewal notice or a roof deadline?

Call (954) 738-1325

How It Works

Four steps from your first call to getting paid.

Step 1

Tell us about the house. Include the roof’s age and anything your insurer or inspector said.

Step 2

Get a written cash offer. We see the house, roof included, and the offer reflects its condition. No obligation.

Step 3

Sign where you are. A notary comes to you.

Step 4

Close on your date. A title company handles the closing, as fast as 7 days, usually 2–3 weeks.

Prefer to talk it through first?

Call (954) 738-1325

Situations We Help With

  • Your insurer sent a nonrenewal notice
  • An inspection says your roof has less than 5 years left
  • The roof leaks or has storm damage
  • You inherited an older home that can’t be insured
  • A buyer’s loan fell through over insurance

Questions Owners Ask

Can I sell my house if it has no insurance?

Yes, to a cash buyer. We don’t use a mortgage, so the house doesn’t need to be insurable. Keep any coverage you can until closing.

Do I need to replace the roof first?

No. We buy as-is and factor the roof into our offer.

My insurer gave me a deadline. How fast can you close?

As fast as 7 days, usually 2–3 weeks.

What if the roof is leaking?

We still buy. Tell us what’s damaged so the offer reflects it.

Will the roof lower my offer?

The cost of a new roof is part of how we set the offer, and we walk you through the numbers.

Get a Cash Offer on Your House

Fill out the form at the top of this page or call us. We’ll get back to you the same day, and there’s no obligation. We buy across Broward County, including Fort Lauderdale.

Call (954) 738-1325Get My Cash Offer