Selling a Fire, Flood, or Hurricane-Damaged Home in Louisiana

Common Types of Home Damage We See on the Northshore

Louisiana homeowners often face unique challenges due to storms, humidity, and soil conditions. We regularly help owners dealing with:

🔥 Fire Damage

• Smoke odor
• Soot and ash cleanup
• Burned framing or electrical
• Partial or full-loss structures

🌊 Flood Damage

• Slab moisture issues
• Damaged flooring and drywall
• Mold and mildew
• Ruined HVAC/electrical systems

🌪 Hurricane / Storm Damage

• Roof leaks
• Uplifted shingles
• Tree impacts
• Wind-driven rain
• Broken windows

🛠 Major Structural or Long-Term Issues

• Foundation sinking / shifting
• Plumbing failures
• Termite damage
• Outdated systems (old electrical, old HVAC)

If the home is unsafe, unlivable, or too expensive to repair — you still have options.

Why Selling a Damaged Home Is Difficult on the Traditional Market

Most buyers want move-in-ready homes. Damaged properties often require:

• Major repairs
• Permits
• Full remediation
• Insurance disputes
• Inspections
• Appraisals
• Time

Traditional buyers may back out or get denied financing. Banks will often not lend on:

• Flood-damaged homes
• Fire-damaged homes
• Homes with mold
• Homes with roof leaks
• Homes needing substantial repairs

This makes an as-is sale the most practical route for many homeowners.

Your Options for Selling a Damaged Home

Option 1 — File an Insurance Claim and Repair the Home

Good if the damage is moderate and the insurance company is cooperative.

But keep in mind:

• Many insurers underpay
• Adjusting takes time
• Contractors may be delayed
• Repairs can take months
• You must pay your deductible

Best when:

• You want to keep the home
• Damages are limited
• You have cash for your deductible

Option 2 — Repair the Property and Then Sell It

If you want top dollar and can handle repairs:

👉 Renovation Partner: TCR – Total Construction & Renovation
They specialize in storm, flood, and fire-damage renovations throughout the Northshore.

Best when:

• Damage is repairable within budget
• You can wait 2–4 months or more
• You plan to list the home afterwards

Option 3 — Sell the Home As-Is for Cash (Most Common)

This option helps homeowners when:

• Repairs are too expensive
• Insurance denied or underpaid
• You don’t want months of construction
• You’re ready to move now
• The property is unsafe to live in
• The home is full of damaged contents

With an as-is sale:

• You make no repairs
• You don’t deal with contractors
• You don’t clean out the property
• You don’t negotiate with buyers
• You avoid inspections and appraisals
• You pay no commissions or fees

You simply walk away — and we handle everything.

How Selling a Damaged Home to Us Works

1. Contact Us

Tell us about the damage and your goals.

2. We inspect the home (or photos/video)

We buy anywhere in St. Tammany or Tangipahoa — any condition.

3. You receive a fair cash offer

No pressure, no obligations.

4. You choose your closing date

Fast closing (7–14 days) or whenever insurance issues are resolved.

5. Leave anything behind

We handle cleanup, disposal, and repairs.

What If Insurance Already Denied Your Claim?

You’re not alone.
We regularly work with homeowners whose claims were:

• underpaid
• delayed
• denied
• stalled
• adjusted too low

You can still sell the home as-is — even if insurance won’t help.

Areas We Buy Damaged Homes In

St. Tammany Parish

Mandeville, Covington, Slidell, Madisonville, Lacombe, Abita Springs, Folsom, Pearl River, Bush, Sun.

Tangipahoa Parish

Hammond, Ponchatoula, Independence, Amite, Tickfaw, surrounding areas.

If your home is damaged anywhere on the Northshore — we can help.

FAQs About Selling a Damaged Home

Do I need to remove debris or damaged items?

No — you can leave everything.

Can I sell even if insurance hasn’t paid yet?

Yes — we work around insurance timelines.

Can I sell a home with mold or structural damage?

Absolutely. We buy any condition.

What if the home was partially burned?

Still fine — we buy fire-damaged homes regularly.

Do I need a contractor first?

No. You can get a cash offer before deciding anything.

References & Helpful Resources for Fire, Flood & Hurricane-Damaged Homes in Louisiana

These official resources provide guidance for homeowners dealing with storm damage, insurance claims, and property repair requirements in Louisiana.

🔥 FIRE DAMAGE RESOURCES

1. Louisiana State Fire Marshal – Post-Fire Safety & Inspections

Fire damage reporting, investigation, and safety guidance.
👉 https://sfm.dps.louisiana.gov/

2. National Fire Protection Association (NFPA) – Fire Damage Standards

Safety standards for fire-damaged structures & restoration.
👉 https://www.nfpa.org/

3. FEMA – Fire Disaster Assistance

Emergency relief programs & rebuilding support.
👉 https://www.fema.gov/assistance/individual

🌊 FLOOD DAMAGE & WATER RESTORATION RESOURCES

4. National Flood Insurance Program (NFIP) – Claims & Coverage

Info about flood insurance claims, payouts, and rules.
👉 https://www.floodsmart.gov/

5. Louisiana Floodplain Management – Statewide Flood Resources

Guidance for rebuilding, elevation requirements, and flood zones.
👉 https://www8.lsuagcenter.com/topics/environment/floodplain

6. FEMA Flood Maps – Check Your Property Risks

Required for rebuilds, repairs, and permitting.
👉 https://msc.fema.gov/portal/home

🌪 HURRICANE DAMAGE & STORM RESOURCES

7. FEMA – Hurricane Assistance Programs

Grants, temporary housing assistance, and repair programs.
👉 https://www.fema.gov/disaster

8. NOAA National Hurricane Center – Storm Tracking & Alerts

Accurate storm information for Louisiana.
👉 https://www.nhc.noaa.gov/

9. Louisiana Governor’s Office of Homeland Security & Emergency Preparedness (GOHSEP)

Disaster declarations, recovery updates, and storm repair programs.
👉 https://gohsep.la.gov/

🏛 STATE & INSURANCE RESOURCES

10. Louisiana Department of Insurance – Filing a Claim or Complaint

Help with insurance adjusters, underpayment, and disputes.
👉 https://ldi.la.gov/

11. Louisiana Home Insurance Guide – Consumer Assistance

Understanding policies, deductibles, and hurricane deductibles.
👉 https://ldi.la.gov/consumers/homeowners-insurance

📍 ST. TAMMANY PARISH RESOURCES (Local)

12. St. Tammany Parish Government – Permits, Repairs & Inspections

Required permits for storm, fire, or flood restoration.
👉 https://www.stpgov.org/

13. St. Tammany Parish Floodplain Management

Elevation certificates, flood zones, and building requirements.
👉 https://www.stpgov.org/floodplain

14. St. Tammany Parish Emergency Operations (Hurricane Updates)

Local alerts, disaster response, and recovery updates.
👉 https://www.stpgov.org/departments/ohsep

15. St. Tammany Parish Assessor – FEMA & Damage Documentation

Tax adjustment and damage reporting guidance.
👉 https://www.stassessor.org

📍 TANGIPAHOA PARISH RESOURCES (Local)

16. Tangipahoa Parish Government – Permits & Inspections

Permits for repairs, rebuilding, and contractor requirements.
👉 https://www.tangipahoa.org/

17. Tangipahoa Parish Office of Homeland Security & Emergency Preparedness

Storm updates, emergency declarations, and damage assessments.
👉 https://tangipahoa.org/government/oep

18. Tangipahoa Parish Floodplain Management

Flood zones, elevation certificates, and post-flood requirements.
👉 https://tangipahoa.org/government/planning/floodplain-management

19. Tangipahoa Parish Assessor’s Office

Damage assessment, tax adjustments, and property documentation.
👉 https://tangipahoaassessor.org/

📘 GENERAL DISASTER REPAIR & PROPERTY RESTORATION RESOURCES

20. HUD Disaster Relief Options

Mortgage relief options after storms.
👉 https://www.hud.gov/topics/disaster

21. U.S. Fire Administration – Home Fire Damage & Safety

Federal recommendations for fire-damaged property.
👉 https://www.usfa.fema.gov/

22. American Red Cross – Disaster Cleanup & Help

Cleanup assistance, temporary housing, and relief programs.
👉 https://www.redcross.org/

Ready to Sell a Damaged Home Fast?

We understand Louisiana storm cycles, insurance delays, and the stress damaged homes bring. If you want a fast, fair, as-is offer, we’re here to help.

📱 Call or Text: 985-231-2561
📩 Request a Cash Offer: