Sell A Long Island House Damaged By Fire, Water, And Storm For Cash. Insurance Claim Optional.
Direct cash offers for Nassau County homeowners with damage at any stage. Pre-claim, mid-claim, post-claim with proceeds in hand, denied claim, never-filed damage, contractor-walked-off rebuild. Every damage type and every claim status bought as-is.
The fire was years ago and you never finished the rebuild. The pipe burst last winter and the insurance check came but the contractor walked. The Nor’easter dropped a tree on the roof and the carrier is fighting the claim. Mold spread through the basement after the house sat vacant. The seller is the homeowner with an insurance check still sitting in escrow, the family who never finished a post-claim rebuild, the inheritor of a house that hasn’t been right since 2018, or the owner whose claim is in dispute with the carrier. Prime Realty Buyers buys Long Island damaged houses direct for cash. The damage and the claim file come with us.
WE BUY ALL DAMAGE TYPES
- Sold completely as-is. Fire damage, smoke damage, water damage, mold, storm damage, all bought as-is.
- Zero repairs required. Demo, mold remediation, structural rebuild, system replacement all absorbed at closing.
- Zero commissions. No listing-side fee. No buyer-side credit.
- All-cash offers. No mortgage contingency, since insurance disputes and damage flags kill retail financing.
- Close in 14 to 30 days. Claim status pre-, mid-, or post-claim doesn't change the offer mechanics.
- 24-hour written offer based on address review, damage description, and current claim status.
Get A Cash Offer
Pre-claim, mid-claim, post-claim, denied claim; every status works.
Your information is private and never shared.
or
Call Us 516-218-0365or
Trusted by Long Island homeowners with fire-, water-, and storm-damaged houses in Hempstead, Freeport, Baldwin, Westbury, Inwood, Oceanside, Long Beach, Wantagh, Massapequa, Bellmore, East Meadow, and Hicksville.
We Buy At Every Claim Stage
PRE-CLAIM
No claim filed yet. We buy as-is. Your future claim rights for the event are handled per the contract structure.
MID-CLAIM
Adjuster still working? We buy with the open claim in place. You keep the settlement and finish it with your carrier. Close on your timeline.
POST-CLAIM
Proceeds received, rebuild not done. Keep the insurance proceeds you already received. We factor unfinished work into the offer price.
DENIED CLAIM
Claim denied entirely. We still buy. The damage transfers to us at closing. You don’t have to fight the carrier further.
Why Long Island Homeowners With Damaged Houses Sell To Us
A damaged house carries a file. The fire report. The insurance claim number. The contractor’s scope. The mold remediation invoice that never got paid. The neighbor’s photos of the tree on the roof. Retail buyers look at all of it and walk. Their lenders look at all of it and refuse to fund. We buy Long Island damaged houses with the file as it stands.
Damage history kills retail listings before they start. Retail buyers’ inspectors find every drywall patch, every smoke stain on the rafters, every spongy floor section. The buyer’s lender requires damage disclosure, a contractor estimate for remaining work, and an appraisal that adjusts for the damage. Conventional, FHA, VA, and USDA all flag damage history. The retail agent watches the file deteriorate through three buyers before someone walks. We don’t need an inspection passing, an appraisal supporting, or a lender’s blessing. We buy the file as it stands.
Insurance claim status pre-claim, mid-claim, or post-claim doesn’t change our offer mechanics. Pre-claim damage where you haven’t filed: we buy as-is, your future claim rights for the event handled per the contract. Mid-claim with the adjuster still working: we buy with the open claim, you handle final settlement with the carrier, we adjust contract price for the expected check. Post-claim with the check in hand and rebuild not done: we buy with you keeping the proceeds you already received, we factor unfinished work into the offer. Claim denied entirely: we still buy.
Common Long Island damage scenarios we buy regularly. Kitchen fires from stove or upper cabinet ignition. Electrical fires from old wiring or faulty appliances. Pipe bursts from the 2014, 2018, and 2021 polar vortex events. Washing machine supply line failures that pumped water for hours into finished basements. Water heater failures with the same result. Frozen pipe breaks in vacant winters without heat. Roof leaks that aged into ceiling collapse. Mold from long vacancies, bathroom leaks, or post-flood drying that wasn’t done right. Nor’easter tree falls. Lightning strikes that fried HVAC and electrical.
Mold, saltwater, and smoke absorbed at closing. Mold remediation runs $5,000 to $30,000 depending on extent and species (black mold escalates fast). Saltwater intrusion from Sandy and subsequent flood events corrodes wiring, HVAC, and metal anywhere it touched, and damage continues for years after the water recedes. Smoke and soot from fire damage permeates drywall, insulation, framing, and HVAC ductwork even in rooms the fire never reached. We buy with mold remediation unfinished, saltwater corrosion in place, and smoke-damaged materials still installed. We handle abatement post-closing through licensed contractors.
You hand us the damaged house. We handle the contractors and the file.
Other Reasons Owners With Damaged Houses Sell To Us
✓ Insurance proceeds kept by you if already received, or split per the contract structure
✓ Public adjuster coordination handled if your case is in dispute with the carrier
✓ Demo, mold remediation, and rebuild contractors all on our side post-closing
✓ Fire department reports and code enforcement files transferred to us at closing
Get A Written Offer In 24 Hours
Insurance claim status doesn’t change the offer mechanics. The damage and the file transfer to us at closing.
Get My Cash OfferCall 516-218-0365We Buy Fire-, Water-, And Storm-Damaged Houses As-Is
Every damage type, every claim status, every era of unfinished rebuild shows up in our deals. We buy the house and the file together.
Houses with fire damage from kitchen incidents, electrical events, or appliance ignition
Houses with smoke and soot damage in rooms the fire never reached, permeating drywall and HVAC
Houses with active or settled fire department reports on file from local Nassau departments
Houses with water damage from pipe bursts, washing machine supply line failures, water heater leaks
Houses with polar vortex frozen pipe damage from January 2014, January 2018, and February 2021 events
Houses with mold growth from long vacancies, bathroom leaks, basement humidity, or post-flood drying gaps
Houses with roof leaks that aged into ceiling collapse and structural framing damage
Houses with storm damage from Nor’easter wind events, tree falls, and lightning strikes
Houses with Sandy damage still showing thirteen years later despite partial insurance work
Houses with saltwater intrusion damage from Sandy or subsequent flood events
Houses with insurance claims currently in dispute or denied by the carrier
Houses with insurance proceeds already received but the rebuild never started or never finished
Houses where the contractor took the deposit and walked, leaving partial demolition exposed
Houses with damage that was never reported to insurance and where filing now is no longer possible
We buy the house. The file, the claim, and the contractor mess all come with us.
Why Choose Prime Realty Buyers
Local Long Island buyer with extensive fire-, water-, and storm-damaged house experience across Nassau County
Direct cash purchase with our own funds. No financing contingency that damage history can torpedo.
Damage-specific operational experience: pre-claim, mid-claim, post-claim, denied-claim scenarios all handled
Insurance proceeds handled flexibly: kept by you, applied to closing, or split per contract structure
Public adjuster coordination available if your claim is in dispute with the carrier
Demo, mold remediation, fire restoration, and structural rebuild all coordinated post-closing on our contractors
Written offer within 24 hours of address review, damage description, and claim status confirmation
Every Long Island damage type: kitchen fire, electrical fire, polar vortex pipe burst, Nor’easter tree fall, Sandy legacy
Specific Damage Situations We Buy In
Kitchen fire from 2022 that displaced the family and the rebuild never started
Electrical fire in the wall that took out a bedroom and damaged adjacent rooms
Pipe burst during the polar vortex events that flooded the first floor
Washing machine supply line failure that ran water for hours into a finished basement
Tree fall from a Nor’easter wind event that punched through the roof and into the attic
Lightning strike that fried the HVAC, the electrical panel, and the major appliances
Mold growth that established during a long vacancy or after an undetected slow leak
Sandy-damaged house where partial rebuild happened but never finished thirteen years later
House with active insurance claim in dispute over scope or causation with the carrier
House where the insurance check arrived and the contractor walked off mid-job
Nassau Areas We Buy In
We buy fire-, water-, and storm-damaged houses across Nassau County, including Hempstead, Freeport, Baldwin, Westbury, Inwood, Oceanside, Long Beach, Wantagh, Massapequa, Bellmore, East Meadow, and Hicksville. We also buy in every other Nassau village and incorporated town across the county.
Real Seller Stories
Hempstead · Klaus
“Kitchen fire in 2021. Started at the stove when nobody was watching. The fire department got there fast but the smoke and water damage spread through the whole first floor. Insurance covered most of it. We hired a contractor who took the deposit and disappeared. Eighteen months later I had a partial rebuild and no contractor and the insurance proceeds were running out. I just wanted out. Prime Realty Buyers walked through, looked at the half-finished work, and gave me a fair number. The remaining insurance balance stayed with me. Closed in twenty-three days. I bought a smaller place.”
Freeport · Latrice
“Sandy came through in 2012 and we did the first round of repairs. Then the water heater failed in 2019 and flooded the basement we had just redone. We made it through that one with insurance. Then in 2023 a pipe burst on the second floor while we were on vacation. The third event was the one that broke us. Three insurance claims in eleven years and a house that had never quite been right since the original storm. Prime Realty Buyers bought it with the partial repairs from all three events still showing. They didn’t ask us to finish anything. We sold and moved out of state.”
Massapequa · Anika
“February of 2021. The polar vortex week. We had gone to visit my parents in Houston for the holiday and the heat in the Massapequa house went out while we were away. Three pipes burst. By the time we got back the first floor was destroyed. Insurance covered remediation but the claim took fourteen months to settle. By the time the check arrived I was already done with the house. Prime Realty Buyers bought it mid-claim. We adjusted the contract price based on the expected settlement. Closed in twenty-eight days. The insurance check went to us per the contract.”
Wantagh · Hiroshi
“In May of 2022 a lightning strike hit the chimney during a thunderstorm. Fried the panel, the central air, the refrigerator, the dishwasher, and most of the bedroom outlets. Two months later a Nor’easter dropped a maple tree on the back of the roof. Two separate insurance claims open at the same time. The repairs were taking forever and the contractor we hired for the lightning damage was different from the contractor for the tree damage. Prime Realty Buyers walked through the chaos, made an offer covering both claim scenarios, and closed in three weeks. I was done.”
Hicksville · Mercedes
“My aunt’s house in Hicksville sat vacant for almost two years after she went into a nursing home. When she passed in 2024 and the family went to clear out the house, the basement had black mold from floor to ceiling. We hadn’t been down there. The HVAC had failed at some point and the humidity did the rest. Remediation quotes started at twenty-eight thousand. Prime Realty Buyers walked through the mold and didn’t blink. They bought the house with the basement as it was. We took my aunt’s photos and didn’t go back.”
Sound Like Your Situation?
Get a written cash offer within 24 hours. Insurance claim status doesn’t change the offer mechanics. The damage and the file transfer to us at closing.
Our 3-Step Process
1
Contact us.
Call 516-218-0365 or submit the form. Tell us the address, the damage type (fire, water, storm, mold), and the current claim status. Five minutes.
2
Walkthrough and offer.
Exterior walkthrough at minimum, interior to assess damage if accessible. Written cash offer within 24 hours based on damage assessment and claim status.
3
Pick your closing date.
Fourteen to thirty days. Claim file, contractor scope, fire department report all transfer to us at closing.
Comparison Table
| Factor | Prime Realty Buyers | Traditional Listing |
|---|---|---|
| Damage acceptance | Fire, water, storm, mold, smoke, every condition bought as-is | Buyer’s inspector flags every damage marker, demands credits or repairs |
| Insurance claim coordination | Pre-claim, mid-claim, post-claim handled, public adjuster coordination available | Listing agent has no role in carrier coordination, disputes stall deals |
| Post-claim sale timing | Sale closes with proceeds either kept by you, applied at closing, or split | Retail buyer demands the rebuild finished before closing |
| Mold absorption | Mold remediation handled post-closing through licensed contractors | Retail buyer’s lender flags mold, refuses to fund without remediation |
| Saltwater corrosion absorption | Sandy and flood-event saltwater damage bought as-is | Saltwater corrosion flagged by inspector, often kills retail deals |
| Smoke and soot absorption | Smoke-damaged drywall, insulation, framing, and HVAC all absorbed at closing | Smoke damage permeates beyond visible areas, retail buyers refuse |
| Repairs required | Zero | $30K to $250K typical for full damage cure |
| Commissions | Zero | 5% to 6% of sale price |
| Closing timeline | 14 to 30 days | 60 to 180+ days, longer with active claim |
| Inspections | None | Buyer’s inspector finds every damage marker |
| Appraisal contingency | None | Appraiser adjusts for damage, valuation suffers |
| Financing contingency | None | Damage-flagged houses fail Conventional, FHA, VA, USDA review |
| Showings | One walkthrough | Multiple showings, every buyer’s inspector identifies the same issues |
| Buyer credits | Zero | $20K to $80K standard for damaged-condition uncertainty |
| Listing prep cost | $0 | $40K to $200K to complete remediation and rebuild before listing |
FAQs
Do you buy houses with active insurance claims still in progress?
Yes. Mid-claim sales are common in our deals. You handle final settlement with the carrier per the contract structure. We adjust the contract price to reflect the expected settlement. The closing proceeds account for the insurance settlement timing.
What if the contractor took the insurance proceeds and walked off mid-job?
This is one of the most common situations we see, especially in 2022 through 2024 with contractor capacity stretched after Sandy and subsequent events. We buy with partial demolition exposed and the rebuild incomplete. The remaining insurance balance (if any) stays with you or applies to closing per the contract.
The insurance claim was denied. Can you still buy?
Yes. Denied claims happen for many reasons: causation disputes, lapse in coverage, exclusion clauses, late filing. We buy houses where the claim was denied entirely. The damage transfers to us at closing. You don’t have to fight the carrier further.
What about pre-claim sales where I haven’t filed yet?
We buy pre-claim. Your future claim rights for the event handled per the contract structure. Some sellers prefer to file first and sell after settlement; others prefer to skip the carrier and sell direct. We make both work depending on what’s better for your numbers.
The damage was years ago and never reported. Can I still sell?
Yes. Unreported damage is common when the homeowner couldn’t afford the deductible, didn’t want a claim on their record, or didn’t realize the extent until later. We buy with the unreported damage as-is. Filing now is usually no longer an option (most carriers require prompt notice), but that doesn’t affect our deal.
What if there’s mold and the carrier excluded it from the policy?
Mold exclusions are common in many homeowner policies and the seller is often left holding the remediation cost. We buy with mold in place and handle remediation post-closing. Whether the carrier covered any of it or not doesn’t affect our deal.
Do you handle public adjuster coordination if my claim is in dispute?
We don’t represent you with the carrier (that’s your public adjuster’s job), but we coordinate timing and information sharing with your public adjuster’s office so the claim and the sale can run in parallel. If you don’t have a public adjuster and your claim is in dispute, we can refer you to one.
The house has been sitting damaged for years. Does the age of the damage matter?
Mostly no. We buy houses with damage from 2012 Sandy that was never finished, fires from 2019 that stalled, water damage from 2014 that compounded over time. Older damage sometimes makes the rebuild more complex (mold establishes, framing deteriorates), but it doesn’t stop our offer.
Will buying a damaged house affect my future insurance options?
That’s about the buyer’s side, not your side. You’re selling. Once we close, the carrier relationship is between us and our insurer. Your prior claim history stays in the CLUE database for five to seven years for your future home purchases, but selling to us doesn’t change that one way or the other.
Can you close before my deductible or rebuild deadline?
Often yes. If you call us early in the claim, we can usually close before your major deductible or rebuild deadlines hit. Closing in 14 to 21 days is typical when timing matters. We’ve closed fire-damaged houses in 16 days when the homeowner needed to settle before their alternate housing benefits expired.
Are there any fees, commissions, or closing costs I pay?
No. We pay customary closing costs including title insurance, recording fees, and transfer taxes. No realtor commission. No buyer credits. No inspection requests. The contract price minus any liens or mortgage payoffs is what hits your account at closing.
One Call. One Cash Offer. One Closing.
The insurance check ran out before the contractor finished. The carrier is still fighting the claim. The mold spread further than you knew. The tree is still up there because the next contractor wanted another retainer. One call, one cash offer, one closing, and the damage stops being your problem.