# Sell My Flood-Damaged House Yes. A flood-damaged house can be sold as-is for cash: no repairs, no lender, no waiting on the insurance claim. Disclosure is state-law specific: Florida requires the standalone FD-1 flood form, Ohio's disclosure form under R.C. 5302.30 asks about water intrusion and flooding, and Michigan's Seller's Disclosure Statement under MCL 565.951 does the same. InTym Properties buys flood-damaged houses nationwide, as-is: insurance claim open, denied, or never filed. No repairs, no waiting on an adjuster. Written offer usually within 48 hours. Email hello@intymproperties.com or call/text (650) 540-1854. ## How it works 1. Tell InTym Properties what the water did: Two minutes. Storm surge, rain, canal, plumbing: and whether a claim was filed, paid, denied, or still open. 2. Read the offer: Within 48 hours, signed. Repair costs, mold remediation, and flood-zone pricing shown line by line. 3. Close without waiting on the claim: Licensed title company. Sell before, during, or after the insurance claim: InTym Properties coordinates either way. ## Flood Damage in Broward County, Florida Fort Lauderdale sits in one of the most flood-exposed cities in the country, and the zone controls the buyer's lender: properties in FEMA Special Flood Hazard Areas, primarily zones AE and VE, require flood insurance on a federally backed mortgage, and you can look yours up at FEMA's Flood Map Service Center, msc.fema.gov. The disclosure law got stricter on October 1, 2025: Florida Statute 689.302 requires a standalone flood disclosure, Florida Realtors Form FD-1, delivered at or before the contract is signed, covering insurance claims, assistance from any source, and any known flooding during your ownership. Skipping it makes the contract voidable. On insurance: Citizens covers wind, not flood; flood runs through an NFIP or private flood policy, and NFIP claims must be reported within 60 days with a sworn proof of loss due within 60 days of the loss unless FEMA extends it. Disputes can drag for months while mold grows in the humidity. A cash sale skips all of it: no lender to satisfy, no binder to bind, and the damage priced into a written number. ## Flood damage in Idaho. Idaho has no standalone flood disclosure form like Florida's FD-1, but the disclosure duty still exists: the seller property condition disclosure required under Idaho Code ยงยง 55-2501 through 55-2517 asks about known water intrusion, drainage, and flood history, and a flooded basement in Boise or an irrigation failure in Nampa belongs on it. The lender gate is the same as Florida's: a financed buyer's appraiser flags water damage and the insurer has to write a policy, so the financed path narrows or dies while the claim or the repairs drag. Spring runoff, irrigation-district water, and burst lines after a freeze are the usual sources here rather than storm surge. A cash sale prices the damage as it sits and closes through a licensed Idaho title company. Statutes cited above: [Idaho Legislature: Idaho Statutes](https://legislature.idaho.gov/statutesrules/idstat/) ## Flood damage in Ohio. Ohio's flood sources are river, creek, and storm sewer rather than storm surge: the Scioto and Great Miami corridors, Cleveland's combined-sewer overflows, and the flash flooding that hits ravine-lot homes. The lender gate works the same: a financed buyer in a FEMA Special Flood Hazard Area needs flood insurance, and water damage flagged at appraisal or inspection stalls the loan while remediation estimates stack up. Disclosure is codified: the Residential Property Disclosure Form under R.C. 5302.30 asks directly about water intrusion, flooding, and drainage problems, and honest answers apply to every covered sale. A cash sale skips the insurance and appraisal gates; InTym Properties prices the water line, the mold risk, and the zone into a written offer and closes through a licensed Ohio title company. Statutes cited above: [Ohio Laws: Ohio Revised Code](https://codes.ohio.gov/ohio-revised-code) ## Flood damage in Michigan. Michigan sellers know the local version well: basement flooding from storm-sewer backups, sump-pump failures, and the regional rain events that flooded thousands of metro Detroit basements in 2021 and 2024. A financed buyer's appraiser flags water damage, the insurer has to write a policy, and the deal stalls; a house in a FEMA Special Flood Hazard Area adds a mandatory flood-insurance cost to the buyer's math. Disclosure is statutory under the Seller Disclosure Act, MCL 565.951 and following sections: the Seller's Disclosure Statement asks about known flooding and water problems, and honest answers apply to every covered sale. Mold moves fast in a wet Michigan basement either way. A cash sale prices the damage as it sits, no lender, no binder, no waiting on the claim, and closes through a licensed Michigan title company. Statutes cited above: [Michigan Legislature: Michigan Compiled Laws](https://www.legislature.mi.gov/Laws/MCL) ## A note from InTym Properties > "Flood damage stalls the financed buyer at the appraisal and the binder. Cash prices the water line and skips both." - InTym Properties ## Frequently asked questions ### Can I sell a flood-damaged house in Florida? Yes. You can list it as-is with an agent, though financed buyers often cannot get loans because lenders require habitability and completed repairs, or sell directly to a cash buyer like InTym Properties, which buys flood-damaged homes as-is without repairs, insurance resolution, or lender approval. The flood disclosure law applies either way. ### Do I have to disclose flood damage when selling in Florida? Yes. Since October 1, 2025, Florida Statute 689.302 requires sellers to deliver the standalone flood disclosure form, Florida Realtors Form FD-1, at or before contract signing. It asks about flood insurance claims, assistance from any source, and known flooding during ownership. Skipping it makes the contract voidable. ### Does Citizens Property Insurance cover flood damage? No. Citizens covers wind damage from hurricanes but not flood; flood coverage comes through an NFIP or private flood policy, so many Fort Lauderdale owners carry both. NFIP claims must be reported within 60 days, with a sworn proof of loss due within 60 days of the loss unless FEMA extends it. ### How do I check the flood zone for my property? Enter the address on FEMA's Flood Map Service Center at msc.fema.gov. Properties in Special Flood Hazard Areas, primarily zones AE and VE, carry the highest risk designations and require flood insurance on federally backed mortgages. Zone X sits outside the 100-year floodplain. ### My insurance claim is still open or got denied. Can I still sell? Yes. InTym Properties buys houses with claims open, disputed, denied, or never filed. Whether claim proceeds stay with you or get assigned depends on your policy and how the sale is structured; talk to your adjuster or attorney, and we will show you a written number either way. ### How fast can you close on a flood-damaged house? As little as 7 days if title is clear. There is no lender, no appraisal, and no repair condition: the title work is the timeline. ### Do I have to disclose flood damage when selling in Ohio? Yes. The Residential Property Disclosure Form under R.C. 5302.30 asks directly about water intrusion, flooding, and drainage problems, and honest answers apply to every covered sale. Ohio has no standalone flood form like Florida's FD-1; the duty lives inside the standard form. ### Do I have to disclose flood damage when selling in Michigan? Yes. The Seller's Disclosure Statement required by the Seller Disclosure Act, MCL 565.951 and following sections, asks about known flooding and water problems. Selling as-is does not remove the duty; it removes the repair obligation. ## InTym Properties also handles - [Sell My Fire-Damaged House](https://intymproperties.com/sell-fire-damaged-house/) - [Sell My Uninsurable House](https://intymproperties.com/sell-uninsurable-house/) - [Sell My House with Foundation Problems](https://intymproperties.com/sell-house-foundation-problems/) ## Related reading - [How to Sell a House with Flood Damage in Fort Lauderdale](https://intymproperties.com/blog/how-to-sell-a-house-with-flood-damage-fort-lauderdale/) - [Can You Sell a House After an Insurance Non-Renewal in Florida?](https://intymproperties.com/blog/sell-house-insurance-non-renewal-florida/) - [How to Sell a Fire-Damaged House in Florida](https://intymproperties.com/blog/sell-fire-damaged-house-florida/) ## Sell in your city - [Sell your house fast in Fort Lauderdale](https://intymproperties.com/sell-my-house-fast/fort-lauderdale-fl/) - [Sell your house fast in Pompano Beach](https://intymproperties.com/sell-my-house-fast/pompano-beach-fl/) - [Sell your house fast in Boise](https://intymproperties.com/sell-my-house-fast/boise-id/) Last updated: 2026-10-15 Canonical: https://intymproperties.com/sell-flood-damaged-house/