Sell My Uninsurable House
The short answer.
A financed buyer cannot close without a bindable homeowner's policy, because the lender requires it: a non-renewal kills financed deals in every state. Florida has Citizens, Ohio the Fair Plan, Michigan the Basic Property Insurance Association. A cash sale has no lender, so there is no insurance requirement; the buyer insures the house after closing.
InTym Properties buys uninsurable houses directly, nationwide, in any condition. Non-renewal, roof-age denial, or a Citizens takeout you can't afford: a cash sale needs no insurance binder. Written offer usually within 48 hours. Email hello@intymproperties.com or call/text (650) 540-1854.
Non-renewal, roof-age denial, force-placed premiums. No lender means no binder requirement.
†every offer signed · proof of funds on request · no obligation, in writing
How it works.
- 01
Tell InTym Properties what happened with coverage
Two minutes. Non-renewal notice, roof-age denial, a Citizens takeout offer, or force-placed insurance on the mortgage: InTym Properties prices all of it.
- 02
Read the offer
Within 48 hours, signed. There is no insurance contingency: the condition of the property is priced in as it sits.
- 03
Close with no binder
Licensed title company. Cash sales need no insurance commitment to fund. You pick the date.
Get your written offer.
How your offer gets built.
Value, repairs, costs, margin: the same lines your written offer is built on:
- ARV (fixed-up value)
- $285,000
- repairs
- −$51,500
- InTym Properties' costs
- −$28,500
- InTym Properties' margin
- −$17,000
- your offer
- = $188,000
illustrative · your offer uses your house, your comps, your repairs
Uninsurable Homes in Broward County.
The Florida insurance market turned a routine paperwork step into a deal-breaker. A financed buyer cannot close without a bindable homeowner's policy; the lender requires it before funding. Florida Statute § 627.7011 bars carriers from refusing a policy solely because a roof is under 15 years old, but at 15 years and up the carrier can require an inspection showing five or more years of useful life, and in practice many carriers simply decline older roofs, older plumbing, and older electrical panels outright. Meanwhile Citizens Property Insurance, the state-backed insurer of last resort, ran a deliberate depopulation program that cut its book from roughly 1.4 million policies in late 2023 to under 300,000 by mid-2026, pushing hundreds of thousands of owners into a private market where the statewide average premium was $3,815 as of April 2026. Florida Realtors has reported roughly 13% of members seeing transactions fall through over insurance issues. And when an owner's own coverage lapses on a mortgaged home, the lender buys force-placed insurance, priced well above a normal policy and charged to the escrow account, and the missed payments that follow can start a foreclosure. None of this applies to a cash sale. There is no lender, so there is no binder requirement. InTym Properties buys the house as it sits, and we insure it ourselves after closing.
Uninsurable homes in Ohio.
The mechanics are the same as Florida's even if the crisis is smaller. A financed buyer's lender will not fund without a bindable homeowner's policy, and Ohio carriers do decline or non-renew on older roofs, knob-and-tube wiring, dated electrical panels, and vacant stock; Cleveland and Cincinnati have plenty of all four. Ohio's backstop is the Ohio Fair Plan, the state-created insurer of last resort for owners turned away by the voluntary market, so uninsurable here usually means uninsurable at a premium a buyer's financing can carry, or uninsurable in current condition. A lapsed policy on a mortgaged home still draws force-placed coverage at inflated premiums charged to escrow. None of it gates a cash sale: no lender, no binder, no carrier-mandated inspection. InTym Properties buys the house as it sits and insures it after closing.
Statutes cited above: Ohio Laws: Ohio Revised Code
Uninsurable homes in Michigan.
Detroit and Flint sellers know this version well: a financed buyer's lender requires a bindable policy, and Michigan carriers decline or non-renew on older roofs, dated electrical systems, vacancy, and claim history, which covers a lot of the housing stock in Wayne and Genesee counties. Michigan's insurer of last resort is the Michigan Basic Property Insurance Association, which writes coverage the voluntary market will not, often at premiums a buyer's loan math cannot absorb even when coverage technically exists. A lapsed policy on a mortgaged home draws lender force-placed insurance at inflated rates charged to escrow. A cash sale has no lender and no binder requirement: InTym Properties prices the condition as it sits and carries the insurance risk after closing.
Statutes cited above: Michigan Legislature: Michigan Compiled Laws
“Insurance is now the step that decides whether a financed sale happens. Cash removes the step.”
InTym Properties
Questions.
Can I sell my house in Florida if no insurer will cover it?
Yes. A financed buyer cannot close without a bindable policy: that is what kills deals on uninsurable homes. A cash buyer has no lender, so there is no insurance requirement to satisfy. InTym Properties buys as-is, and we insure the property ourselves after closing.
My insurer dropped me because of my roof. Do I have to replace it to sell?
No. Under Florida Statute § 627.7011, a carrier cannot refuse coverage solely for roof age if the roof is under 15 years old, and at 15 years or older it must accept an inspection showing five or more years of useful life. But a financed buyer's lender still needs a binder, so the real choice is paying for a new roof out of pocket or selling as-is to a buyer with no lender.
What is force-placed insurance and can I sell with it?
When your coverage lapses on a mortgaged home, the lender buys lender-placed insurance and charges it to your escrow, typically at a much higher premium for less coverage. Selling pays off the loan and ends the force-placed charges. If the added cost has pushed you toward default, tell InTym Properties the timeline; we have closed in as little as 7 days.
I got a Citizens depopulation letter. What does that mean for selling?
Citizens has been shrinking its policy count, from about 1.4 million policies in late 2023 to under 300,000 by mid-2026, by moving policies to private carriers, often at higher premiums. If you stay, the takeout offer is your coverage question. If you sell to InTym Properties, it stops mattering; we do not need a binder to close.
Does a cash buyer need insurance at all?
Not to close. Insurance requirements come from lenders protecting their collateral. With no lender, there is no binder, no carrier-mandated four-point inspection, and no deal dying in underwriting. InTym Properties assumes the risk, and we insure the property ourselves after closing.
How fast can you close on an uninsurable house?
As little as 7 days if title is clear. There is no insurance shopping, no lender underwriting, and no repair condition: the title work is the timeline.
What if no Ohio insurer will write my house?
Ohio's backstop is the Ohio Fair Plan, the state-created insurer of last resort for owners turned away by the voluntary market. Coverage usually exists but at a premium a financed buyer's loan math may not carry. A cash sale skips the question entirely: no lender, no binder.
What if no Michigan insurer will write my house?
The Michigan Basic Property Insurance Association writes coverage the voluntary market will not, often at premiums a financed buyer's loan math cannot absorb. Uninsurable here usually means uninsurable at a fundable premium. A cash sale removes the binder requirement; the buyer insures the house after closing.
InTym Properties also handles.
Sell your house fast in Broward County.
Get your written offer.
Every offer signed. No obligation, in writing, usually within 48 hours.
Want the full process first? See how InTym Properties buys houses, step by step.
Reviewed October 15, 2026 · InTym Properties · Nationwide