Flood-damaged or flood-prone house · Hampton Roads
Sell the house the water got into, without tearing it out first.
Soaked carpet, open walls, a crawl space that never dries, or a street that floods with every big storm. Get a fair, no-obligation cash offer, fast, for the house as it sits today, and close on the date you pick, once title is clear.
- No obligation
- No tear-out or mold work
- No agent commissions
- U.S. Navy veteran-owned He knows PCS orders firsthand.
- A contractor’s eye Repairs priced honestly.
- Hampton Roads local Not a franchise or an app.
- As-is, any condition No repairs, no cleaning.
Sound familiar?
The water went down. The problem didn’t.
Maybe one storm pushed water under the front door. Maybe it is the slow kind: a yard that turns to pond after heavy rain, a crawl space that stays damp, a musty smell every summer. Either way, you are the one deciding what happens next.
Then the estimates arrive. Drying, tear-out, drywall, flooring, maybe the HVAC and the water heater too. Your homeowner’s policy may not pay for any of it. And in a flood zone the size of the job matters. In Virginia Beach, once the repair bill hits half of what the building is worth, the whole job falls under the city’s floodplain code, and that can mean lifting the house.
You don’t have to hire a contractor, file another claim or empty the rooms to find out what we would pay for it today. One address gets you a real number to set beside the repair bids.
Virginia law
Flood disclosure in Virginia: what a seller has to say.
Virginia mostly leaves it to buyers to investigate a home, but flooding carries one specific duty for sellers. Each rule below links to its Code section.
Educational, not legal advice. This section explains general Virginia rules in plain language, reviewed . Every situation is different, so talk to a Virginia attorney before you act on it.
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Repeated flood claims must be disclosed
Has the flood program paid out on this house more than once? If you actually know it qualifies as a “repetitive risk loss” structure, you owe the buyer a Real Estate Board form saying so. The test: at least two National Flood Insurance Program claims, each over $1,000, paid inside any rolling 10-year window since 1978.
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Flood zones are the buyer’s to check
Whether the lot sits in a FEMA special flood hazard area is something Virginia leaves the buyer to look up. Your form makes no promise either way; it tells the buyer to check the federal and state flood maps and ask whether a policy will be required.
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Beyond flood history, the buyer inspects
Outside the flood-loss question, the standard state form puts the burden on the buyer. You promise nothing about the home’s condition on it; checking the house over is the buyer’s job.
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Hand over the flood form before anyone signs
If you owe a repetitive-loss form, get it to your buyer before both sides sign the contract. If it shows up afterward, the buyer may cancel, and that is their only remedy: generally within three days if it was handed over or sent electronically, five days from the postmark if mailed, and never once you have settled.
Your options
Rebuild, list, take a buyout or sell as-is: a fair comparison.
It comes down to how deep the damage goes, whether you have flood coverage, and whether you want to keep living with the risk.
| Option | What it involves | A good fit when | Watch out for |
|---|---|---|---|
| Repair it and stay | Dry it out, tear out what got wet, treat for mold, then rebuild. | The damage is limited, you carry flood coverage, and you want to stay put. | Hidden moisture and contractor delays. In a flood zone, a large repair can trigger the full floodplain rules. |
| Rebuild first, then list | Finish the rebuild, list with an agent, and make the disclosures the law requires. | You can carry the costs and the wait, and want to sell to a retail buyer. | In the 100-year floodplain, a buyer with a federally backed mortgage must carry flood insurance. The agent’s commission is paid out of your sale price. |
| List it as-is | Put it on the market damaged, priced for its condition. | The damage is mostly cosmetic and a buyer’s lender will still finance it. | Open walls or active moisture can make it hard to finance, so offers may come mostly from cash buyers anyway. |
| A city buyout program | The city buys a qualifying flood-prone home and returns the land to open space. | Your house qualifies for a program like the one Newport News runs. | Only qualifying homes are eligible, and the timing is the city’s. |
| Our offer Sell to us, as it sits | One cash offer for the house as it sits: wet, gutted or halfway repaired. | You don’t want to manage a rebuild, or the house keeps flooding and you are done with it. | The offer accounts for the repairs, so expect less than a fully rebuilt house might list for. Hold it up against your bids. |
Put the repair estimates next to a real cash number and the choice gets clearer. Get your cash offer, then decide.
The case for us
Why owners of flooded houses call Angel.
Water damage is easy to overprice from a distance. Pricing it fairly takes someone who has done the work.
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Damage priced by someone who has done the work
Angel has worked as a contractor. He checks the framing, subfloor and mechanicals, then prices the repair honestly instead of padding it.
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Leave it wet, gutted or half-done
Stopped halfway through the tear-out? That’s fine. We buy as-is, any condition, no repairs, no cleaning.
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A cash offer, not a mortgage contingency
Our offer is cash and isn’t contingent on a mortgage, so a lender’s appraisal or flood insurance rule isn’t what decides whether you get a number. You still make the disclosures the law requires, and we plan the sale around them.
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A local buyer for a local problem
Angel is a Navy veteran based right here in Hampton Roads. Flooding is a local problem, and you get a local buyer for it: a local person you can call, instead of a call center or a national franchise.
Sellers
In their words
Saved me from a huge headache!
I inherited a property that needed a massive amount of work—roof leaks, outdated plumbing, you name it. I didn’t have the time or funds to fix it up before putting it on the market. Remodeling Investment Group came through with a fair cash offer within 24 hours. The process was smooth, transparent, and we closed in under two weeks. Couldn't recommend them enough!
Marcus T. Seamless experience from start to finish.
I had to relocate for a new job on short notice and needed to sell my home fast without dealing with endless open houses or repair demands from retail buyers. Remodeling Investment Group made a direct cash offer, handled all the paperwork, and let me pick my closing date. Truly stress-free!
Elena R. Perfect solution for landlords ready to step away.
After dealing with problematic tenants and constant repairs on my rental property, I was ready to exit. Remodeling Investment Group bought the property as-is—no cleaning or repairs required. They were honest, polite, and kept every promise they made. A top-tier team!
David K.
How it works
Selling a flood-damaged house to us, step by step.
Nothing is final until you sign, and every step along the way is your call.
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Send the address
Tell us what happened and roughly when. Photos help, but they aren’t required.
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Hear our cash offer
We walk the house in its current state, water line and all, and make a fair, no-obligation cash offer, fast.
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Share the flood history
Tell us about past flooding and any flood insurance claims, so the disclosures the law requires are handled before the contract.
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Close when you choose
Once title is clear, we close on the date you pick, and we cover standard closing costs.
Before you call
What helps us price it (none of it is required).
The address alone gets you an offer. These just sharpen the price and smooth the closing.
- When it flooded. Rough dates, and how high the water came.
- Flood claim history. Any flood insurance claims paid on the house, with amounts if you know them.
- Repair bids or invoices. Estimates you have collected and any work already done.
- An elevation certificate. If one exists. Norfolk owners can look up existing ones on the city’s NorfolkAIR site.
- Mortgage and insurance details. Your lender and any open claim, so payoffs are sorted out at closing.
- Photos of the damage. Phone pictures are plenty.
Don’t have the paperwork handy? Send the address and start there.
Questions
Selling a flood-damaged house in Virginia: questions and answers
Can I sell a flood-damaged house as-is in Virginia?
Yes. We buy flood-damaged houses across Hampton Roads as-is, whether the floors are still drying or the walls are already open. You still owe the buyer any disclosure Virginia requires, such as a known repetitive flood loss under Va. Code § 55.1-708.2.
Do I have to disclose flooding when I sell a house in Virginia?
Sometimes. If you actually know that at least two National Flood Insurance Program claims on the house, each above $1,000, were paid within a rolling 10-year span since 1978, it is a repetitive risk loss structure, and you must say so on the Real Estate Board’s form (Va. Code § 55.1-708.2). Otherwise the standard disclosure statement leaves flood zone checks to the buyer (§ 55.1-703). Ask a Virginia attorney about your house.
Do I have to fix mold or water damage before selling?
No. You don’t need to dry it out, remediate or rebuild before selling to us. Angel prices that work into the offer, so you never have to hire it out.
Is it worth repairing a house in a flood zone?
It depends on the repair and the flood zone. In Virginia Beach, the city says repairs or improvements in a Special Flood Hazard Area worth half or more of the building’s market value must meet its floodplain regulations and the statewide building code. Price the repair, get a cash offer, and compare.
Doesn’t homeowner’s insurance cover flood damage?
Usually not. The cities of Norfolk and Chesapeake both point out that standard homeowner’s policies generally leave flood out, and that a new flood policy has a 30-day wait before it takes effect.
Can I sell with a flood insurance claim still open?
Yes, you can ask for an offer at any point. Talk with your insurer and your mortgage lender about the open claim before closing, so everyone agrees on where any claim money goes.
Does any city in Hampton Roads buy flooded homes?
Newport News does. Its voluntary Floodplain Assistance Program buys qualifying homes in the 100-year floodplain at the current city-assessed value, with rules on floor elevation and when the home was built. Not eligible, or want to compare? Ask us too.
What happens to a flooded house after you buy it?
That varies, and you hear which way yours is headed before you sign. Some we dry out and rebuild ourselves; on others, our purchase contract may be assigned to another buyer. Either way it is spelled out in writing upfront.
Educational, not legal advice. Answers about Virginia law cite the Code section they rely on.
Related
Dealing with more than one of these?
Water damage rarely travels alone. Deferred repairs, a code notice or an inherited house can all be part of the same as-is sale.
We buy flood-damaged houses in all seven Hampton Roads cities
Sources
- Va. Code § 55.1-708.2 (opens in a new tab)
- Va. Code § 55.1-703 (opens in a new tab)
- Va. Code § 55.1-709 (opens in a new tab)
- City of Virginia Beach Planning: Floodplain Management (opens in a new tab)
- City of Norfolk: Repetitive Flood Loss Information (opens in a new tab)
- City of Norfolk: Flood Zones (opens in a new tab)
- City of Chesapeake: Floods (opens in a new tab)
- City of Chesapeake FAQ: Who should get flood insurance? (opens in a new tab)
- City of Newport News: Floodplain Assistance Program (opens in a new tab)
Code sections link to the official text. Last reviewed . Laws change; we re-check these sources when the page is updated. Educational, not legal advice.
As-is · Any condition · No obligation
Get your offer before you pay for the tear-out.
Send the address and tell us what the water did. Angel sizes up the damage with a contractor’s eye and makes a fair, no-obligation cash offer, fast. Lay it beside your repair bids, then decide.
- Send the address and a few details. A few minutes, no obligation.
- Get a fair cash offer. For the house as-is.
- Pick your closing date. We close on it once title is clear.
Rather talk it through? Call (757) 386-0307 or send a text.