We buy houses affected by hurricanes, flooding, wind, water and mold.
Yes. A flooded or storm-damaged house may potentially be sold in its current condition, even when it has water intrusion, roof damage, mold, damaged flooring, electrical problems or unfinished repairs.
Home Buyer Louisiana purchases flood- and hurricane-damaged houses as-is. You do not need to rebuild the house, complete mold remediation, replace damaged materials or prepare the property for a public listing before requesting an offer.
We evaluate the house’s current condition, expected repair costs, location, flood history, title and insurance situation. If the property is one we can purchase, we provide a written cash offer so you can compare selling as-is with repairing and listing the house.
An open insurance claim, mortgage, lien or code issue may affect what must happen before the transaction can close. Home Buyer Louisiana does not provide insurance or legal advice, but our team can work with the independent closing attorney while you communicate with your insurer, lender and other appropriate professionals.
A hurricane or flood can turn a family home into a major construction project overnight. Waterlogged walls, roof damage, fallen trees, mold and destroyed belongings create practical problems while the family is still processing the emotional impact of the disaster.
The recovery process can become overwhelming. Contractors may be difficult to find, repair costs can exceed early estimates and homeowners may continue paying a mortgage on a house they cannot occupy.
Louisiana homeowners are resilient, but rebuilding is not the only option. When you do not want to manage months of repairs, insurance inspections, permits and contractors, selling the house as-is may provide a more practical way to move forward.
Home Buyer Louisiana evaluates properties affected by:
You do not need to determine the complete repair scope before contacting us. Give us a call and our local team member will ask you questions to ascertain the condition of the home.
If the property was primarily damaged by fire, visit our page about selling a fire-damaged house in Louisiana.
Your immediate priorities should be personal safety, preventing additional damage when it is safe to do so and notifying the appropriate insurance company.
Consider:
Flood damage is generally not covered by a standard homeowners policy and commonly requires separate flood coverage. Louisiana’s Department of Insurance recommends contacting the appropriate insurer promptly and documenting the damage.
Home Buyer Louisiana can evaluate the property while you work through those steps, but we do not adjust insurance claims or determine coverage.
After a hurricane, flood or severe storm, homeowners generally have two broad options: complete the restoration or sell the damaged property in its current condition.
The better option depends on the insurance claim, mortgage, available funds, extent of the damage and whether you want to manage a major construction project.
Repairing may allow you to restore the property and potentially pursue a higher sale price later. However, the process can involve deductibles, uncovered expenses, contractor management, permits, inspections and months of uncertainty.
Homeowners without adequate insurance may need to fund much of the restoration themselves. Even with coverage, the insurer or mortgage servicer may release funds in stages as work is completed.
Selling as-is allows you to avoid completing the restoration before the property is sold.
Home Buyer Louisiana evaluates the damaged house in its current condition and calculates the offer based on the property’s likely repaired value, expected construction costs and project risk.
A direct as-is offer will generally be lower than the potential value of a fully repaired and market-ready house. The trade-off is that you may avoid funding and managing the restoration yourself.
Home Buyer Louisiana regularly works with homeowners who have filed an insurance claim but decide that they do not want to rebuild.
In the right circumstances, the homeowner may be able to:
Our purchase offer is based on the damaged property and is separate from the homeowner’s insurance claim. Home Buyer Louisiana does not ask sellers to assign their insurance proceeds to us.
However, the homeowner should not assume that every insurance payment can be retained or used without restriction. The result depends on the policy, claim status, type of coverage and whether a mortgage lender has rights concerning the payment.
Homeowners-insurance settlements are commonly based on replacement cost or actual cash value. When a mortgage exists, the payment may be made jointly to the homeowner and mortgage servicer, and the servicer may release some funds as repairs are completed.
Before selling, confirm:
Home Buyer Louisiana does not adjust insurance claims or determine coverage. Those questions should be discussed with the insurer, insurance professional, mortgage servicer and closing attorney.
Repairing a flood- or storm-damaged house and selling it in its current condition can both be reasonable options. The better choice depends on your insurance claim, available funds, timeline and willingness to manage the restoration.
| Consideration | Sell the House As-Is No restoration required |
Repair or Rebuild |
|---|---|---|
| Upfront Expense | You do not need to complete repairs, mold remediation or rebuilding before selling. | You may need to pay deductibles, uncovered expenses and initial contractor costs before all insurance funds are available. |
| Insurance Claim | The property sale is separate from your insurance claim. The insurer, mortgage servicer and closing attorney determine what proceeds you are entitled to receive and whether any restrictions apply. | You continue managing the claim, inspections, estimates and release of repair funds throughout the restoration. |
| Contractors | Home Buyer Louisiana assumes responsibility for the future repairs and restoration after closing. | You must find, hire and manage contractors, which may be especially difficult after a major storm. |
| Mold and Water Damage | We evaluate the property in its current condition without requiring you to complete remediation first. | Damaged drywall, flooring, insulation, cabinets and HVAC systems may need to be removed, treated or replaced. |
| Permits and Inspections | Home Buyer Louisiana handles future renovation permits, inspections and code requirements after closing. | You are responsible for coordinating permits, inspections and code compliance during the repair process. |
| Cleanup and Belongings | Leave unwanted belongings, furniture and storm debris behind. Home Buyer Louisiana handles the cleanout after closing. | The property normally must be cleared and prepared before contractors can complete the restoration. |
| Timeline | The proposed closing date depends on title, ownership, insurance, mortgage and property-related requirements. | Repairs may take months and can be delayed by insurance approvals, contractor availability, materials, permits and inspections. |
| Potential Sale Price | The cash offer reflects the house’s damaged condition, expected repair costs and the risks involved in restoring the property. | A successfully repaired and market-ready house may sell for a higher price. |
| Best Suited For | Owners who want to avoid funding and managing the restoration and prioritize simplicity and certainty. | Owners with the time, funds and willingness to manage the insurance and construction process. |
The main trade-off:
Repairing may produce a higher eventual sale price, but it requires time, money and project management. Selling as-is generally produces a lower price while allowing you to avoid completing the restoration yourself.
Selling a flood- or storm-damaged house is different from selling a market-ready property. The buyer must understand major repairs, insurance-related issues, title requirements and the risks involved in restoring the house.
Home Buyer Louisiana has purchased properties affected by hurricanes, flooding, roof damage, water intrusion, mold and unfinished repairs throughout Louisiana.
You do not need to repair the roof, replace drywall, remediate mold or complete a full cleanout before requesting an offer.
We need enough information to evaluate the property, which may include photographs, insurance documents or reasonable access. You are not expected to restore the house before selling to us.
We consider the current condition, location, expected repaired value, likely restoration costs, title and insurance situation.
If the property is a fit, we provide a written cash offer. There is no obligation to accept it.
Our purchase of the property is separate from the homeowner’s insurance claim. Home Buyer Louisiana does not ask the seller to transfer the claim proceeds to us.
Some homeowners decide to combine the insurance proceeds available to them with the proceeds from selling the damaged house rather than using those funds to manage the restoration themselves.
The insurer and mortgage servicer must determine what proceeds the homeowner is entitled to receive and whether any funds are conditional on repairs or must be applied to the mortgage.
Depending on the property and written agreement, damaged belongings, furniture and storm debris may sometimes remain after closing.
Tell us which items you intend to remove and what may be left behind. Any agreement concerning belongings should be confirmed before the closing.
Storm-damaged properties may also involve mortgages, unpaid taxes, contractor claims, inherited ownership, Road Home documents or code-enforcement issues.
An independent Louisiana title company or closing attorney determines what must be paid, released, corrected or documented before ownership can transfer.
Home Buyer Louisiana has worked alongside experienced Louisiana closing professionals through complicated title situations. We cannot guarantee that every problem can be resolved, but our team has the experience and patience to give the seller the best practical chance of reaching closing.
Home Buyer Louisiana does not charge a real estate commission when purchasing directly. We also pay the agreed title and closing costs associated with our purchase.
Seller-specific debts, liens, succession expenses or additional legal work are separate and will be explained through the closing process when applicable.
There is no obligation to accept our offer.
Home Buyer Louisiana considers houses affected by:
This may include missing shingles, roof openings, fallen trees, broken windows, siding damage and wind-driven rain. We evaluate the property in its post-storm condition without requiring the seller to repair it first.
We consider houses with water-damaged flooring, drywall, cabinets, electrical systems, HVAC equipment and mold. A prior or repeated flood history may affect the offer, but it does not automatically prevent a sale.
We may evaluate properties with major structural damage, partial destruction or structures that may eventually require demolition. When little of the house remains, the land may still have value.
Every property is reviewed individually based on its condition, location, access, title and insurance circumstances.
Potentially. A history of repeated flooding does not automatically prevent a sale, but it can affect the property’s value, future insurability and the repairs a buyer may need to complete.
Tell us:
We evaluate the complete flood history and current condition rather than treating every previously flooded property the same.
Home Buyer Louisiana has a proven track record of purchasing storm- and flood-damaged homes. Here are just a few real-life examples of homeowners we’ve helped in the past few years:
Flood Damage in New Orleans: We inspected a house in the Algiers neighborhood that had significant flood damage – rotten baseboards, warped floors, and clear signs of water intrusion. A traditional buyer would run away from such a project, but not us. We gave the seller a fair cash offer and bought the property as-is, with no repairs on their part. The owner avoided a lengthy rebuild and was able to move on quickly, cash in hand. See Blog and Video about this house.
(Want to read more stories? Check out our blog for case studies like “How to Sell a Hurricane-Damaged Property and Keep the Insurance Check,” which details how a Laplace homeowner used this strategy after Ida. We’ve also documented purchases of homes vacant since Katrina, houses with extreme foundation issues, and other tough situations – proving that we truly buy houses in any condition. You can see the houses we buy here.
Each of these examples had one thing in common: the sellers wanted to skip the repairs and get on with their lives, and Home Buyer Louisiana made it happen. We’re proud to have helped them find a light at the end of the tunnel.
Yes. Home Buyer Louisiana may purchase a flooded or storm-damaged house in its current condition. You do not need to repair the property before requesting an offer.
Potentially. Our purchase offer is separate from the homeowner’s insurance claim, and Home Buyer Louisiana does not ask the seller to assign the claim proceeds to us.
The insurer and mortgage servicer must determine what proceeds the homeowner is entitled to receive, whether additional payments depend on completed repairs and whether any funds must be applied to the mortgage.
No repairs are required before requesting an offer. Depending on the property and written agreement, unwanted belongings or storm debris may sometimes remain after closing.
You may still contact Home Buyer Louisiana. We evaluate the house based on its current condition.
The claim status may affect the closing timeline or what must be confirmed with the insurer, lender and closing attorney before the sale is completed.
Potentially. Mold remediation is not required before requesting an offer. Hidden water and mold damage may affect the amount we can offer because the complete repair scope may be uncertain.
Potentially. The closing attorney obtains the mortgage payoff and determines what must be paid from the transaction before ownership can transfer.
Potentially. We evaluate the flood history, current damage, location, title and likely repair requirements.
The timeline depends on ownership, title, access, insurance, mortgage, liens and any code-related requirements. Once those matters are understood, the written purchase agreement will state the proposed closing date.
Home Buyer Louisiana purchases damaged houses throughout Louisiana, including:
Selling a flood- or storm-damaged property in Mississippi? Visit Home Buyer Mississippi to learn about selling storm damaged houses across Mississippi.
Recovering from a natural disaster is hard, but selling your damaged property doesn’t have to be. If you’re a homeowner in Louisiana facing the aftermath of a hurricane, flood, or tornado, let Home Buyer Louisiana be your partner in moving forward. We understand what you’re going through and we’re here to offer a compassionate, straightforward solution.
Tell one of our local team members what happened, what you know about the damage and where things stand with the insurance claim. We will listen, answer your questions and explain what a direct as-is sale may look like.
There is no pressure and no obligation to accept an offer.
1. Tell us about your house and we will give you an estimate of our cash offer
2. If our cash offer is something that will work for you we’ll set up a quick appointment to view the property
3. We’ll give you a written cash offer for your consideration
4. If you are happy, we close at a reputable title company, cash in your hands in as little as 7 days or a date that suits you
We can do step 1 through 3 within 48 hours so you will quickly know whether we are the right the solution for you
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We are the group of local investors that help people with problem homes. We always treat you professionally and with respect.
We pay cash which means nothing is dependent on banks approval or slowed down by redtape
We buy your house, as-is so you don't need to make repairs or clean the property
We can close quickly, sometimes you can sell your house as fast as 7 days.
You are dealing direct with the buyer so there are no realtor commissions or fees.
We buy houses in ANY CONDITION in Louisiana. There are no commissions or fees and no obligation whatsoever. Start below by giving us a bit of information about your property.
Call or Text us now at: 504-332-7676