Sell a House With Roof Damage in Pompano Beach, FL

Roofs in Pompano Beach carry dates. Hurricane Wilma tore across the city in October 2005 and damaged roofs on every kind of street, from Leisureville to Hillsboro Shores, and the replacements that went on in 2005 and 2006 are now about 20 years old. Hurricane Irma followed in September 2017 and did its worst Broward County damage here and in Deerfield Beach. Between the storms, sun and salt air do their slow work on shingle, tile and the flat sections over Florida rooms. The result is a city where a large share of houses, with a median build year of 1974, are on a roof that insurers now want inspected, repaired or replaced before they will write a policy.

Pompano Beach Cash Buyers buys houses with damaged, leaking, tarped and simply old roofs throughout Pompano Beach and North Broward. We price the replacement and the interior damage beneath it into the written offer, buy with a claim open, paid or denied, and insure the property ourselves after closing. This page explains the roof-age rule in Florida law, what a wind mitigation report does and does not do for a seller, how a claim and a sale fit together, and how the as-is sale runs.

Florida law sets one clear boundary. Under Fla. Stat. 627.7011 an insurer may not refuse to write or renew a homeowners policy solely because a roof is under 15 years old. For a roof 15 years or older, the insurer may require an inspection, and a roof with at least 5 years of useful life left cannot be refused on age alone. That is the whole protection. It does not require any carrier to accept a roof with active leaks, missing tile or a tarp, and it does not stop a carrier from pricing an old roof steeply. A roof replaced after Wilma in 2005 or 2006 is now past the 15-year line, so a buyer's insurer can demand the inspection, and a buyer with a mortgage needs that policy to close.

A wind mitigation inspection documents the features that help a house resist hurricane wind: the roof shape, how the deck is nailed, how the roof is attached to the walls, the covering, and the opening protection. Insurers use it to set premium credits. For a seller it has limits. It records what exists; it does not repair anything, and a damaged covering or an old deck shows up on it. It also does not replace the roof-age inspection described above. A house with a hip roof and shutters but a 22-year-old shingle roof still faces the age question. We do not require a wind mitigation report, a four-point inspection or a roofer's letter before writing an offer; we price the roof system we can see and the attic we walk.

Citizens Property Insurance is the state-backed insurer of last resort, and private carriers have non-renewed or re-priced older roofs and coastal homes since 2022. On 2026-08-31 Citizens still held 32,687 multi-peril and 9,797 wind-only personal residential policies in Broward County, and its OIR-approved 2026 Broward average premium is $2,916, down 8.2% from $3,178, effective 2026-07-01. For a buyer that premium is part of the monthly payment the lender underwrites. For a seller, a non-renewal letter citing the roof means the mortgage servicer places its own more expensive coverage and bills it through escrow. A cash sale does not depend on your policy. We insure the house after closing, and closing in about a week stops the force-placed premium quickly.

Wind damage to a roof from a named storm may be a covered loss under your policy, subject to its terms and deductible; only your adjuster can say what yours pays. The claim is yours for the loss during your ownership and does not transfer to us. If it was paid and the roof was never replaced, the house sells as-is at its damaged value and the proceeds are yours subject to your lender's rights. If it is open, you keep pursuing it after closing. If it was denied, the sale is unaffected. We ask only that you tell us the claim's status so the contract reflects it. Our price is built on the roof we see, not on what the claim might pay.

We price a complete replacement with the right covering for the house (shingle, tile, metal or a flat membrane), the decking and truss repair that water intrusion usually requires, and the interior beneath: ceilings, insulation, drywall, flooring and the mold that follows a long leak in Broward humidity. Tie-downs and other code upgrades that come with a re-roof in Florida are in the number too. We look at the roof and the attic once, with a roofer where needed, and deliver a written offer within 24 hours of the visit. There is no inspection contingency, so a roofer's later estimate does not come back to you. For condos in Palm Aire or on the beach, the roof belongs to the association and shows up as a special assessment; we buy units with open roof projects and settle the owner's share on the estoppel certificate at closing.

Send the address, when the damage occurred and whether a claim exists. We visit within a day or two, deliver a written offer within 24 hours of the visit, and open title when you accept. A Broward County title company closes in about a week once the search is clean and any payoff is in hand, or on a later date you choose. We pay the customary closing costs and there is no commission; the house sells as-is with the tarp still on. If your insurer is paying for a full replacement and you have time, listing afterward may net more and Pompano Beach Cash Buyers will say so. If not, the offer ends the tarp and the non-renewal letters.

We buy houses in Pompano Beach for any reason, any condition, or any challenge

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