Sell Your House Fast During Insurance Non-Renewal
Sell fast when your insurer won't renew or issue a policy — before any damage ever happens.
Under Florida Statute 627.7011, an insurer can't refuse to issue or renew a homeowner's policy solely because the roof is under 15 years old. Once a roof turns 15, the insurer can require an inspection at your expense, and if that inspection doesn't show at least 5 years of useful life remaining, a non-renewal notice can follow with no storm, fire, or water damage on the property at all. That's a different problem than our storm-damage guide, which covers a roof that's already been hit - this is a roof, or a policy, an insurer simply won't cover going forward, often on an older house that hasn't been reroofed. A financed buyer's lender generally won't fund a purchase without proof of hazard insurance in place, so a non-renewal can stall or kill a traditional sale even with a buyer already under contract. A cash sale needs no buyer-side insurance policy to close.
Complete Guide to Selling Your House During Insurance Non-Renewal
Florida Statute 627.7011 sets one clear rule for roof age: an insurer may not refuse to issue or refuse to renew a homeowner's policy insuring a residential structure with a roof less than 15 years old solely because of the roof's age. Once a roof reaches 15 years, the statute shifts the burden - the insurer must allow you to have it inspected by an authorized inspector at your own expense before requiring a replacement as a condition of coverage, and if that inspection shows the roof has 5 or more years of useful life remaining, the insurer still can't refuse to issue or renew solely on age. These roof-age protections apply to homeowners' policies issued or renewed on or after July 1, 2022.
What that leaves out is everything the statute doesn't cover: an insurer can still decline to renew for underwriting reasons that have nothing to do with a 15-year threshold, and a homeowner who gets a non-renewal notice is often left comparing the cost of a full reroof against what the house is actually worth to them. Unlike our storm-damage, fire-damage, or water-damage guides, none of which require any damage to have occurred, a non-renewal notice can land on a house that looks fine from the curb - it's the roof's age or the underwriting file, not a claim, that triggered it. That's also common on an older house that was never reroofed after the original construction.
A non-renewal notice creates a real problem for a traditional sale even when the house itself is in good shape: a lender generally won't fund a mortgage without proof of hazard insurance on the property, so a buyer who can't get a policy - or whose own insurer won't cover a roof this age - can't close, no matter how much they want the house. A cash sale sidesteps that gate entirely, because there's no buyer-side mortgage and no buyer-side insurance policy required to get to closing. We buy houses facing insurance non-renewal across Miami-Dade, Broward, and Palm Beach County.
How We Help You Sell During Insurance Non-Renewal
Tell Us What Your Insurer Said
A non-renewal letter, a refusal to issue a new policy, or a roof-inspection demand - we'll help you figure out exactly what stage you're at and how much time the notice actually gives you.
Skip the Reroof-or-Sell Math
We'll walk through what a full reroof would cost against what the house is worth to you today, so you're deciding with real numbers instead of guessing.
Get a Cash Offer
Usually within 24 hours, based on the property's current condition - no repair or reroof required before we'll make an offer.
No Buyer Insurance to Wait On
Because we're not financing the purchase, there's no lender requiring us to bind a hazard insurance policy before closing.
Close Before the Notice Takes Effect
We can often close in as little as 7 days - frequently faster than shopping for a new carrier or scheduling a 15-year roof inspection would take.
Common Challenges When Facing Insurance Non-Renewal
We Solve These Problems
Our cash home buying service eliminates these challenges. No repairs, no waiting, no uncertainty - just a fair offer and a fast closing on your timeline.
Why Acting Quickly Matters
Benefits of Selling to Us
Why Choose Us
How It Works
Selling your house for cash is simple. Here's our straightforward 3-step process.
Contact Us
Fill out our simple form or give us a call. Tell us about your property and situation. No pressure, no obligation.
Get Your Offer
We'll schedule a quick visit to your property (or do a virtual tour) and present you with a fair cash offer within 24-48 hours.
Close On Your Terms
Accept our offer and choose your closing date. We handle all the paperwork. Get your cash and move on with your life.
Traditional Sale vs. Selling to Us
When you're facing insurance non-renewal, time and certainty matter. See why selling for cash makes sense.
🏠Traditional Sale
- 3-6 months average time to sell
- 5-6% agent commissions ($15,000+ on $300K home)
- Repairs and staging often required
- Showings, open houses, strangers in your home
- Buyer financing can fall through
💰Selling to Us
- Close in as little as 7 days
- Zero commissions or fees
- No repairs needed - sell 100% as-is
- No showings or open houses
- All-cash offer, guaranteed closing
What Our Clients Say
Real stories from real homeowners who sold their houses fast for cash.
“After my mother passed, dealing with her house was the last thing I wanted to worry about. They made it so easy - I didn't have to clean anything out or make any repairs. Closed in 10 days and I could finally focus on grieving and healing.”
Maria G.
Miami • Inherited Property
“Going through a divorce is hard enough without fighting over the house. Getting a fair cash offer helped us split things evenly and move on with our lives. The quick closing meant we could both start fresh sooner.”
Robert & Susan T.
Fort Lauderdale • Divorce
“I was three months behind on my mortgage and didn't know what to do. They explained all my options and helped me sell before the bank took the house. I actually walked away with money in my pocket and saved my credit.”
James W.
Pembroke Pines • Foreclosure
We Help Insurance Non-Renewal Home Sales Throughout South Florida
If you're facing insurance non-renewal and need to sell your house in South Florida, we can help. We buy houses in these cities and throughout Miami-Dade, Broward, and Palm Beach counties:
Insurance Non-Renewal Home Sale FAQs
Can my insurer refuse to renew my policy just because of my roof's age?
Not if the roof is under 15 years old - Florida Statute 627.7011 says an insurer can't refuse to issue or renew solely for that reason. Once the roof turns 15, the insurer can require an inspection at your expense, and if that inspection shows 5 or more years of useful life remaining, it still can't refuse to renew based on age alone.
Does this rule apply to my policy?
The roof-age provisions in Florida Statute 627.7011 apply to homeowners' insurance policies issued or renewed on or after July 1, 2022. If your policy is older than that, check with your carrier or an insurance agent about which version applies.
What's the difference between this and your storm-damage or fire-damage pages?
Those guides cover a roof or house that's already been physically damaged. This page is for a non-renewal or refusal to issue a policy that happens with no damage at all - typically over roof age or an underwriting decision, before anything has actually broken.
Why does a non-renewal notice matter if I'm not planning to sell right away?
A financed buyer can't close without a lender-approved hazard insurance policy in place, so a house an insurer won't cover becomes hard to sell to anyone using a mortgage - even a buyer who loves the house and is ready to move. A cash sale doesn't need that buyer-side policy at all.
Do I have to reroof before you'll make an offer?
No. We buy the property in its current condition, roof included. You're welcome to get quotes and compare reroofing against selling, but you don't need to do either before we give you a number.
How fast can you close compared to getting new insurance?
We can often close in as little as 7 days. Shopping for a new carrier after a non-renewal, scheduling a 15-year roof inspection, and waiting for a policy to bind can easily take longer than that.
Still have questions?
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