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Selling A House With Storm Damage

Property Saviour » Force Majeure » Selling A House With Storm Damage

Storm-damaged homes can be difficult to sell; as we experience global climate change, buyers want to purchase less risky properties.

So can you sell a storm-damaged property ‘as is’, or should you repair the roof before selling it?

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Bricks vs. Blizzards: A Breakdown of How Storms Batter Our Homes

Storms can cause a great deal of damage to houses and flats. Flooding due to excessive rainfall can lead to costly repairs. High winds can damage roof tiles and break windows.

Trees that fall due to storms can cause further destruction. Storms can also fling debris – from signs to fences – which can smash glass and crack paint.

The extent of the damage can range from slight to severe. Sometimes, homeowners may not have the money to fix the damage before selling their properties. Finding a buyer in this situation may be difficult, but it is not impossible.

Insurance: A Shield Against Storms, Or Is it?

Insurance companies typically don’t want to pay out, especially in expensive scenarios such as having to replace a roof or address extensive flooding or other damage to a property caused by a storm.

They may try to dispute the claim by saying the weather event that caused the damage does not meet the qualifications of a storm covered by your insurance policy. They could also suggest that the condition of your home was the cause of the damage, not the storm.

If you can’t convince your insurance company to cover these costs, it may be almost impossible to repair the damage before you try to sell your property. This is because major damage could be far too expensive for many UK homeowners to repair.

sell house with storm damage
Sometimes, homeowners may not have the money to fix the damage before selling their properties.

Why it is harder to sell a storm damaged house?

Storm damage can make it more difficult to sell your home for a good price. This is especially true if you decide not to repair the damage before trying to find a buyer.

Potential buyers will notice the damage and realise that if they purchase your home, they will have to invest the time and money needed to fix it.

This cost will be taken into account when they make an offer for your house, which will be the market price minus the cost of repairs. It’s not a great situation for you, but it is understandable from the buyer’s point of view.

It’s essential to understand that you must disclose any and all instances of storm damage to your property, regardless of whether you plan to sell it with or without repair.

Otherwise, you could find yourself in legal trouble with the buyer if they find out about the damage after the purchase.

Should you repair or sell your storm damaged property?

For homeowners who have experienced storm damage to their house or flat, it may be necessary to decide whether to repair the damage or not. You should start by considering how much the property is worth.

There is no requirement to fix the damage before attempting to find a buyer. Carefully consider your budget and the time and money you can invest in the repairs.

If you are trying to make the most money possible, you should strongly consider investing in the repairs. This will bring the property back to its pre-storm condition and make it more attractive to buyers, who will not deduct repair costs from their offer.

This could result in you achieving whatever asking price you originally wanted for the property.

If your goal is to sell your house or flat quickly, you may not have enough time to do the necessary repairs. If the damage is extensive, such as needing a new roof, this could take months or even longer.

This would conflict with your aim to sell quickly, so you may have to find a buyer without fixing the damage.

DIY Roof Repairs: Are They Worth It?

If the repairs aren’t too extensive, you can consider doing some of them yourself to save money. This could include a new paint job, replacing a kitchen sink or worktops, fixing broken cupboards or windows, and filling in any holes.

However, if the issues are more complex than that, such as plumbing, electrical, or structural, then it’s best to call in a professional.

Selling the home as is
Make sure you are aware of the issues with the home, discount them from the sale price, and offer the home for a reasonable rate but don't undersell yourself.

Selling your home as is

If you don’t want to deal with the repairs and want to sell the house quickly, you must be ready to receive offers that are much lower than the house’s value if you were to make the repairs.

Doer-uppers homes are not desirable to everyone, and selling a home in poor condition will reduce the number of potential buyers.

Most buyers seek properties that are ready to live in or require a minimal amount of work.

selling your house with storm damage

These are your options:

Estate Agent

Selling your storm-damaged house via an estate agent has many benefits. Estate agents will handle the majority of the hard work involved in finding a buyer for your property – from creating a detailed listing of the home’s features, such as the number of rooms and square footage, to taking photographs of the interior and exterior to make your home as appealing as possible.

Auctions

Using a property auctioneer to sell your home is another option. You will need to agree on a reserve price with the auctioneer – the minimum level at which you are willing to sell your home.

If no bids come in at this value, your home will not be sold. You should consider setting a reserve price that won’t result in a financial loss from the sale of your home.  This is one of many risks of auctioning a property.

Sell your Home Yourself

If you don’t use an auction house or estate agent to sell your property, you may want to market your property yourself.  This means you will need to:

  • need to manage the viewings
  • value your home
  • negotiate offers
  • and handle the solicitors yourself.

Sell to us!

If you want a fast, hassle-free way to sell your storm-damaged house, you could consider a cash property buyer such as Property Saviour.

We offer competitive and speed offers for almost any condition, size, shape, age, and even those with solar panels. This could be a good choice if you don’t want to invest in repairs before finding a buyer.

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Property Saviour Price Promise

  • The price we’ll offer is the price that you will receive with no hidden deductions.
  • Be careful with ‘cash buyers’ who require a valuation needed for a mortgage or bridging loan.
  • These valuations or surveys result in delays and price reductions later on.
  • We are cash buyers.  There are no surveys.
  • We always provide proof of funds with every formal offer issued.
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We'll Pay £1,500 Towards Your Legal Fees

  • No long exclusivity agreement to sign because we are the buyers.
  • You are welcome to use your own solicitor. 
  • If you don’t have one, we can ask our solicitors for recommendations.
  • We share our solicitor’s details and issue a Memorandum of Sale. 
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  • Our approach is transparent and ethical, which is why sellers trust us.
  • 100% Discretion guaranteed. 
  • If you have another buyer, you can put us in a contracts race to see who completes first.
  • Complete in 10 days or at a timescale that works for you.  You are in control.

Sell with certainty & speed

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