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    Property condition

    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
    • No fees or commission
    • Close in as little as 7 days
    • No obligation

    Quick answer

    SilverCrest Estates 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.

    Is this you?

    This page is for you if…

    • 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
    • The house is unlivable or boarded up

    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.

    Compare your options

    SilverCrest vs. the alternatives

    An honest side-by-side. Timelines are typical ranges and vary by state, lender and market.

    SilverCrestRebuild, then sellSell to a retail buyer
    Repairs before saleNoneAll of itUsually required for financing
    Contractor managementNoneYouSome
    Time to cashAs little as 7 daysMonthsHard to finance a damaged home
    Insurance claimWork around itYou manage itYou manage it
    How we help

    Four steps, start to finish

    1. 1

      Tell us what happened

      Photos of the damage and your claim status help.

    2. 2

      As-is offer

      Priced for the house as it is today.

    3. 3

      Sort out the claim

      Who keeps insurance money is written into the contract.

    4. 4

      Close and move on

      No rebuild, no contractors.

    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. Laws and timelines differ by state. Talk to a licensed attorney, CPA or HUD-approved housing counselor about your specific situation.

    Questions

    What sellers ask us

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

    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.

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

    As little as 7 days with clear title.

    Related situations

    Sellers in similar spots also read

    Property condition

    Foundation, roof & mold

    Read the guide

    Property condition

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    Read the guide

    Tenants & vacant homes

    Vacant & abandoned homes

    Read the guide

    Whatever's going on, there's a way out

    Enter your address. A real cash offer from SilverCrest — no fees, no repairs, no obligation.