Damaged Home

Sell a Fire, Water, or Mold Damaged House for Cash

Smoke, a burst pipe, a flooded basement, or mold behind the drywall. We buy in whatever condition the house is in, claim open or closed. You will have a written offer within 24 hours, and you choose the closing date. No repairs, no commissions, and no pressure from us.

Get my free cash offer 414-793-3773

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We understand

What usually weighs on people in this situation

These are the worries we hear most often. If one of them is sitting in the back of your mind right now, you are in very ordinary company, and each one has an answer.

This is one of every situation we handle. We also buy every the property types we buy across Wisconsin.

In this situation we most often buy damaged multi-family buildings, usually through property development and rebuilds. See our full range of services for the full picture.

Worth reading first: how we calculate an offer on a damaged property.

Insurance settlement far below the real repair cost

Home is unsafe or legally uninhabitable right now

Mortgage and taxes still due on a house you cannot live in

Mold remediation quotes that keep climbing

No lender will finance a buyer on a damaged property

Fire, Water or Mold Damage

What we can do with a damaged house

A fire, a burst pipe, or mold found behind the drywall leaves you with a house you may not be able to live in and a stack of bills that do not pause while you sort it out. That is a great deal to hold at once, and it is reasonable to feel stuck.

There is a practical reason the ordinary path is closed to you right now, and it is not a reflection on your home. No lender will finance a buyer on a damaged property, and no insurer will write a policy on one. We buy in whatever condition the house is in, whether your claim is settled, still open, or was denied.

Fire and smoke, and the damage you cannot see

Fire damage is rarely limited to what burned. Smoke travels through the entire structure and permeates drywall, insulation, HVAC ductwork and framing, and the odor cannot be sealed or painted over reliably. Then there is water damage from suppression, which soaks everything the fire did not reach and starts growing mold within days.

This is why fire restoration quotes shock people. A kitchen fire that visually damaged one room routinely produces a whole-house remediation estimate, because the ducts, the insulation and the affected framing all have to come out.

We price fire-damaged homes on rebuild cost, not on how bad the photographs look. Sometimes that means our offer is higher than a seller expects, because they had assumed the house was a total loss when it was not.

House with structural and foundation damage purchased for cash in any condition — 1157 W 7th — structural problems that ended a retail sale. Closed at $80,000.

Water damage, burst pipes and Wisconsin winters

Every winter we buy houses that froze. A vacant property with the heat off, an inherited home nobody was checking, or a failed furnace during a January cold snap — a burst supply line can run for days and flood every floor beneath it.

The visible damage is the smaller half. Water in wall cavities and under flooring produces mold within roughly 24 to 48 hours, and by the time anyone discovers it the remediation scope has grown well past the drying and drywall you can see.

We buy these mid-problem. There is no need to dry it out, tear anything open, or get remediation quotes first. Those are our costs after closing.

Why mold stops an ordinary sale

Mold is the most reliable deal-killer of the three. Buyers are frightened of it, lenders will not close against a known active mold condition, and insurers will not write a policy. A listing that goes under contract will typically die at the inspection.

Remediation costs vary enormously — a small contained area might be a few thousand dollars, while whole-house remediation with structural replacement runs into the tens of thousands. Sellers often pay for testing, get a frightening report, and then find the number keeps climbing as contractors open walls.

We do not need testing, remediation, or a clearance letter. We buy the property with the mold in it and handle it ourselves afterward.

Storm, hail and structural damage

Wisconsin weather does a specific kind of damage. Hail strips shingles and leaves a roof that fails inspection but does not leak yet. Straight-line wind takes siding, soffits and trees down onto rooflines. Freeze-thaw cycles work on foundations every single winter, and older homes settle unevenly because of it.

Structural findings are the ones that end retail sales fastest. A buyer’s inspector notes foundation movement, the lender orders a structural engineer’s report, and the deal stalls for weeks before dying. We bought 1157 W 7th with exactly that history — foundation problems that had already killed a conventional sale — and closed at $80,000.

We do not need an engineer’s letter, a roof certification, or a completed insurance scope. If the structure needs work, that goes into the number once and the number holds.

Your insurance claim, and who keeps the money

This is the question we get most, and the honest answer is that it depends on how the sale is structured — but you have real options and it is negotiable.

If your claim is already settled and you have been paid for damage that has not been repaired, you generally keep those proceeds and sell the property as-is. Our offer reflects the current damaged condition, so you are not being paid twice for the same loss but you are not surrendering your settlement either.

If the claim is still open, it can be assigned to us as part of the purchase, or you can retain it, depending on your policy and your mortgage servicer’s requirements. Note that when a mortgage exists, insurance checks are frequently made out jointly and the servicer may control disbursement. Tell us where the claim stands on the first call so we structure it correctly rather than discovering it during closing.

Your options

Every option you actually have

Selling to us is one of several routes, and it isn't always the best one. Here's the full picture so you can decide with real information.

Repair with insurance proceeds and move back in

The best outcome when the claim is fully covered and the settlement is realistic. Get independent contractor bids before accepting any settlement, because initial offers frequently fall short of actual rebuild cost.

Best for

Well-covered claims where the numbers genuinely work.

Repair, then list on the open market

Restore the property and sell it retail. This nets the most on paper, but you are managing a full restoration on a house you are leaving, and you carry the mortgage, taxes and insurance the entire time.

Best for

Sellers with time, cash flow, and appetite to run a rebuild.

Sell as-is with the claim settled

That's us

You keep the insurance proceeds for the damage already paid out and sell the property in its current condition. For many sellers this combination nets more than a discounted post-repair sale.

Best for

A settled claim and no desire to manage contractors.

Sell as-is with the claim still open

That's us

We can buy mid-claim. Depending on how the policy and mortgage are structured, proceeds may be assigned or retained. Tell us the status up front and we will structure it cleanly.

Best for

A slow or disputed claim you no longer want to fight.

See what we would pay — free, no obligation

How it works

Three steps, and we carry most of them for you

We keep this simple on purpose, because you have enough to carry already. AJ or Gina will call you within a few hours, look at your home honestly, and put a written offer in your hands. Then you take all the time you need. There is no deadline on our side, and there never will be.

Tell us about your home

Fill out the form or call us. Takes about 5 minutes.

Receive a written offer

Within 24 hours. We explain our numbers.

Choose your close date

$155,000

Situation

Pre-foreclosure

All cashAs-isNo commissions

Get your cash offer today

Reviews

What homeowners say

5.0 avg · Google verified

“The sale of my condo with AJ went very smoothly, and we closed very quickly. Everything was exactly as AJ said it would be. Great company to work with.”
David KnightOak Creek, WI
Condo Sale

“I inherited a house I had no idea what to do with. Gina walked me through every step, handled all the paperwork, and we closed in under two weeks. I didn't have to lift a finger.”
Maria T.
Milwaukee, WI
Inherited Property

“Facing foreclosure was terrifying. AJ called me back within an hour, explained my options honestly, and we closed before the auction date. They genuinely cared.”
James R.
Racine, WI
Foreclosure

Read all reviews

Free, no obligation

Get your free cash offer

No obligation. No fees. Our team will call you within a few hours.

Written cash offer within 24 hours
Close in 7 days or on your schedule
Zero fees, commissions, or closing costs
Buy in any condition, no repairs needed
Real people every time, no call centers, no scripts

Prefer to call?

414-793-3773

FAQ

Questions people ask us about fire, water and mold damage

Do you buy houses with active fire or smoke damage?

Yes, including homes that are currently uninhabitable. Fire damage is one of the clearest cases for a cash sale, because financed buyers cannot get a loan or insurance on a fire-damaged structure. We price on rebuild cost rather than appearance, so the offer is sometimes higher than sellers expect.

Can I sell while my insurance claim is still open?

Yes. We buy mid-claim regularly. The claim can be assigned to us as part of the purchase or you can retain it, depending on your policy and your mortgage servicer. What matters is telling us the status on the first call so the contract is written correctly.

Who keeps the insurance payout if I sell to you?

Usually you do, if the claim is already settled and paid out for damage that has not been repaired. Our offer reflects the property in its damaged condition. If the claim is open, we will discuss whether it is assigned or retained and put it in writing so there is no ambiguity.

Do I have to disclose mold or water damage in Wisconsin?

Generally yes. Wisconsin requires sellers of one to four unit residential property to complete a Real Estate Condition Report disclosing known defects, and that includes known water damage and mold. Disclosing does not obligate you to repair anything, and it does not affect our offer — we would rather know everything up front. Personal representatives and trustees who never occupied the property are usually exempt.

Will you buy a house that has been declared uninhabitable?

Yes. Condemnation orders and uninhabitable designations block financed buyers but not cash purchases. The orders transfer to us at closing and we resolve them with the municipality afterward.

Do you buy homes with storm, hail or wind damage?

Yes. Hail and wind damage are the most common damage claims in southeastern Wisconsin, and a roof that has failed inspection but has not started leaking yet is a very normal purchase for us. You do not need a roof certification or a completed insurance scope before we make an offer.

My house has foundation or structural damage. Is that different?

Different from fire or mold, but equally buyable. Structural findings are actually the fastest way for a retail sale to collapse, because the lender orders an engineer’s report and the buyer walks during the wait. We bought 1157 W 7th after foundation problems ended a traditional sale and closed at $80,000.

Should I get remediation quotes before calling you?

You do not need to for our sake, though it can be useful for your own decision-making if you are weighing repairing versus selling. We estimate the scope ourselves. What genuinely helps is any inspection, adjuster report or contractor bid you already have, since it lets us price accurately the first time.

If this isn't quite your situation

A house that just needs work

Deferred maintenance and dated systems with no damage event behind it.

Contents and cleanout as well

Long-term moisture under stored belongings is more common than people expect.

Service area

We serve these Wisconsin cities

We close fast in every city listed below, often in 7–14 days.

Let's talk it through, whenever you're ready

No repairs, no fees, no waiting. No obligation, ever.

Get my free cash offer 414-793-3773

Sell a Fire, Water, or Mold Damaged House for Cash

What usually weighs on people in this situation

What we can do with a damaged house

Fire and smoke, and the damage you cannot see

Water damage, burst pipes and Wisconsin winters

Why mold stops an ordinary sale

Storm, hail and structural damage

Your insurance claim, and who keeps the money

Every option you actually have

Repair with insurance proceeds and move back in

Repair, then list on the open market

Sell as-is with the claim settled

Sell as-is with the claim still open

Three steps, and we carry most of them for you

Tell us about your home

Receive a written offer

Choose your close date

Homes we actually bought, and what the seller was facing

122 Garver

130 E Wood St

905 Manitoba Ave

1222 Meadowlark

2202 S 70th

3040 N 76th

What homeowners say

Get your free cash offer

Questions people ask us about fire, water and mold damage

If this isn't quite your situation

We serve these Wisconsin cities

Let's talk it through, whenever you're ready

Homes we actually bought,
and what the seller was facing