Fire, water or foundation damage? We buy it as-is.

If you have a mortgage, your lender is usually named on the insurance check (the “mortgagee clause”), which is why claim money often goes through the lender before it reaches you. You can sell before the claim is settled, or after. The purchase agreement should say whether the claim, and any money still coming from it, stays with you or transfers with the house.

Michigan and Ohio both allow local governments to require insurers to hold back part of a fire payout until the property is repaired, secured or demolished. Ask your adjuster whether that applies to your house and how a sale releases it.

Michigan and Ohio both require a seller's property disclosure form on most home sales, with some exceptions (for example, certain estate sales). Fill it out honestly with what you know. Selling as-is doesn't mean hiding problems. It means the buyer accepts the house with them.

With us, the damage is the point of the deal. Known problems are already in the price, and they don't become a reason to renegotiate after an inspection.

Repairing first makes sense when the work is small compared with the price increase and you have the cash and the time to manage contractors. It rarely makes sense after a major fire, mold remediation or foundation failure, where the repair cost and timeline are uncertain and the house sits empty while the work happens.

Get a contractor's estimate and an agent's opinion of the repaired value, then compare that with a written as-is offer. Our offer shows the repair estimate we used, so you can compare line by line.