Situations we buy in
Sell a hurricane-damaged house in Puerto Rico, with or without a FEMA claim
If your house was damaged by a hurricane and you have not been able to fix it, it can be sold as-is. We buy houses with the roof gone, leaks, cracked walls or a blue tarp, for cash, without you repairing anything. If you have an open FEMA or insurance claim, or received aid that was not enough, the attorney-notary reviews how that is handled at closing; we do not ask you to resolve it first. The offer comes out in 24 hours with a line-by-line repair estimate.
Can I sell if I still have not repaired it?
Yes. Most of the houses we buy have unrepaired damage. We do the repair estimate with a contractor, deduct it from the value of the house fixed up, and that is the price. You do not have to get quotes, buy materials or wait on an aid program with a years-long list.
With a blue tarp, no windows or an uninhabitable second floor, same thing. If it cannot be entered safely, we make the offer from photos and video and confirm it once the contractor can look.
What if I have an open FEMA or insurance claim?
It can be sold with the claim open. What has to be defined, in writing and before closing, is who receives the money if the claim pays later: you, us, or split. The attorney-notary puts it in the deed. Same with private insurance. One clause takes care of it.
If you received FEMA aid for repairs and used it on something else, or it was not enough, tell us. We are not FEMA and we are not going to report you; we need to know so the attorney can check whether any condition is still attached to the house.
Why did FEMA deny me, and what does that have to do with selling?
The most common reason in Puerto Rico is that FEMA could not verify the house was yours: no recorded deed, title in the name of a relative who died, or built on family land without papers. Puerto Rico enabled a sworn declaration of ownership for those cases. That same title problem is what has to be solved to sell.
In other words: if FEMA denied you over title, selling will also require fixing it. The difference is that we bring the attorney, advance the costs once an agreement is signed, and buy once the title is clear. Related guides: unregistered property and inherited house.
What about rebuilding programs like R3?
The R3 program from Puerto Rico Housing, with federal CDBG-DR funds, repairs, rebuilds or relocates eligible owners. If you are on the list and want to wait, wait; it is your house. If you have been waiting for years and would rather sell, we tell you how much. We will not tell you one is better without knowing your case.
If you already received a repair from a program and later decide to sell, tell the attorney which program and when. Some programs carry conditions for a period after the work, and the attorney reviews them before closing.
How do you calculate the offer with hurricane damage?
Value of the house fixed up based on comparable sales in the town, minus the detailed repair estimate (roof, electrical, plumbing, windows, paint, whatever applies), minus debts paid at closing. We show you the full estimate. If you think a line is high, we discuss it with the contractor in front of you.
The offer is good for 7 days, no obligation. If you decide to wait for the program, we renew it whenever you want to talk again.
Frequently asked questions
Let's talk about the house
Tell us the town, what the damage is and whether there is an open claim or aid received. We send you the offer with the line-by-line estimate.
Sources
- FEMA: Individuals and Households Program
- Recuperación PR: sworn declaration of ownership and supporting documents
- Puerto Rico Housing, R3 program (Repair, Reconstruction or Relocation) with CDBG-DR funds
- Puerto Rico Treasury: steps to request the relevo
This is not legal or tax advice. It is general information so you understand the process; the advice comes from the attorney-notary who takes part in the transaction. Last reviewed: October 15, 2026.