Sell a Fire- or Water-Damaged House As-Is
Fire, flood, smoke, mold — we buy damaged properties in any condition across Canada.
Damage doesn't have to mean a dead end. We buy it as-is.
A fire or flood changes everything in an instant. Beyond the emotional toll, you're left with a property that most buyers won't touch, most agents won't list, and most lenders won't finance. Insurance claims can take months to settle — and even when they do, the payout often falls short of what's needed to restore the home to sellable condition.
Meanwhile, the damage doesn't stop. Water that isn't dried within 48 hours leads to mold. Smoke residue corrodes wiring and fixtures. Structural damage worsens with weather exposure. The longer the property sits, the more expensive it becomes and the less it's worth.
I Buy Ugly Houses buys fire-damaged, water-damaged, and mold-affected properties across Canada. We don't require you to repair, remediate, or clean anything. We assess the property, make a fair cash offer, and handle all restoration after closing.
Selling fast stops the damage from getting worse — and gets you cash now.
Every week a damaged property sits unsold, it loses value. Secondary damage — mold growth, pest entry through compromised walls, further water infiltration — compounds the original problem. Carrying costs continue: mortgage payments, property taxes, and insurance premiums on a property you can't live in.
A direct cash sale cuts through all of it. There's no waiting for contractors to quote repairs, no waiting for insurance adjusters, and no waiting for a buyer willing to take on a damaged property. We've bought homes the week after a fire and homes that have sat damaged for years — both work for us.
We cover closing costs and there are no agent commissions. The offer we make is the amount you receive at closing.
Getting started takes one call — we handle the rest.
Call 1 (888) 986-9883 or fill out the form below. Tell us what happened — fire, flood, storm, or other damage — and we'll schedule a visit to assess the property. You don't need to prepare anything.
We provide a cash offer within 24 hours of our visit. If you accept, we can close in as little as 7 days.
We work with damaged properties across Canada. Whether the damage is recent or years old, whether insurance covered it or not, we're interested.
Fire, flood, smoke, mold — we buy it all. You don't fix a thing.
Common questions about selling a damaged property
Can you buy a house with fire damage?
Yes. We buy houses with fire damage ranging from minor smoke and soot damage to properties that have suffered significant structural fire. The extent of the damage factors into our offer, but it never disqualifies the property. We assess the damage ourselves and take on all repair costs and risks.
What about flood or water damage?
We buy houses with all types of water damage — from basement flooding and burst pipes to storm damage and sewer backups. Water damage can be particularly insidious because it often leads to mold, rot, and structural issues that aren't immediately visible. We account for all of this in our assessment and still make a fair offer.
Do I need to make any repairs before selling?
No. We buy the property in its current damaged condition. You do not need to repair, remediate, clean up, or do anything to the property before we close. Board-up, tarps, temporary fixes — none of it is required. We handle everything after we take ownership.
What if there is mold in the house?
Mold is one of the most common secondary effects of water damage and is often the biggest barrier to a traditional sale. Buyers and their inspectors flag it, lenders refuse to finance it, and remediation is expensive. None of that matters when you sell to us. We buy houses with mold and handle the professional remediation ourselves.
Do I need to file an insurance claim before selling?
Not necessarily. You can sell the property to us regardless of whether you have filed or settled an insurance claim. If you have an active claim, we can work around the timeline. If your claim was denied, or if the property was uninsured or underinsured, you can still sell to us. We buy the property — not the insurance outcome.
How do you determine the offer on a damaged property?
We estimate the property's after-repair value — what it would be worth fully restored — and subtract the cost of repairs, remediation, and renovation. Because we do this work with our own crews, our costs are lower than what a typical buyer would face through contractors. This means our offers are often more competitive than homeowners expect for a damaged property.
Get a cash offer for your damaged property.
Fill out the form and we'll respond within hours. No obligation.
Related resources
Learn about our experience and trust, see how our process works, or read our frequently asked questions.
We also buy hoarder houses, inherited properties, and homes with difficult tenants.
Don't let the damage define your next chapter.
A fair cash offer for your property — no matter the condition. We handle the hard part.