Do you buy houses in bad condition?

Yes. We buy houses in any condition, including fire damage, water damage, foundation issues, mold, hoarder situations, and open code violations. You do not need to make repairs, clean up, or haul anything out. We walk the property as it sits and make an offer based on what we see.

How fast can you close on an as-is house?

Most closings happen in 7 to 14 days from the signed purchase agreement. When title is clean and straightforward, we can close in as few as 5 days. The timeline depends on the title company's schedule and any liens or probate items that need to clear, and we tell you upfront what your specific timeline looks like.

Do you buy inherited houses?

Yes, and this is a large part of what we do. We work directly with heirs and estate attorneys, and we can close during or after probate depending on where the estate stands. If multiple heirs are involved, we coordinate signatures and disbursements at closing so each heir receives their share from the title company.

Do you buy foreclosures or pre-foreclosures?

Yes. If you have a sale date coming up, call us as early as possible so we have time to close before the auction. We handle the payoff directly with your lender and settle the loan balance at closing from the sale proceeds. In many cases, sellers walk away with cash even when they thought they had no equity left.

Do you buy houses with tax liens?

Yes. Tax liens, mortgage liens, HOA liens, and judgment liens all get settled at closing directly from the sale proceeds. You do not need to pay anything out of pocket to clear them. The title company disburses funds to each lienholder, and whatever remains after payoffs is yours.

What areas do you buy in?

We buy across South Louisiana, the Alabama Gulf Coast, and the Florida Panhandle. In Louisiana that includes Jefferson Parish, Orleans Parish, Metairie, New Orleans, Kenner, Uptown, and Mid-City. On the coast we cover Baldwin County (Gulf Shores, Orange Beach) and the Florida Panhandle (Fort Walton Beach, Escambia County, Okaloosa County).

Do I pay any fees or closing costs?

No. There are no agent commissions, no listing fees, no closing costs charged to you, and no repair credits taken out of your proceeds. The offer we give you is the amount you receive at closing, minus only any liens or payoffs owed on the property itself.

How is your cash offer calculated?

The math is simple and we show it to you: after-repair value (ARV) minus renovation cost minus a fair profit for our work equals your offer. ARV comes from recent comparable sales in your neighborhood. Renovation cost comes from what the property actually needs to be resold. We walk you through each number so you understand exactly how we got to the offer.

Do you require an inspection before making an offer?

No formal inspection is required. We walk the property ourselves, usually in 20 to 30 minutes, and factor condition into the offer at that point. Because we buy as-is and take on the repair risk ourselves, we do not send inspectors back for renegotiation after the offer is signed. The price we agree to is the price we close at.

How do I know you actually have the cash to close?

We provide proof of funds in writing before you sign anything, either a bank statement or a letter from our banking partner showing available cash for the purchase. We close with our own capital, not a mortgage or hard money loan, so there is no financing contingency and no lender who can back out at the last minute. If the title company confirms our funds are in escrow, closing happens on the date agreed.

Sell a House With an Old Roof in Metairie

By Andrew Rodriguez & Tony Bertucci

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If you need to sell a house with an old roof in Metairie, the roof itself is often only half the problem. The other half is paperwork: a nonrenewal letter from your insurer, or a buyer whose lender will not close until someone can insure the house. Here is how roof age affects Louisiana insurance, what state law says about nonrenewals, where Citizens fits, why financed buyers stall, and how an as-is cash sale works.

Call 504-920-4747 anytime. No obligation to accept an offer.

Why an old roof becomes an insurance problem in Metairie

Insurers watch roof age and condition because the roof takes the first hit in a wind event. Underwriting rules vary by company and change over time, so there is no single cutoff across the market. At renewal, an older roof can bring an inspection request, a higher premium, a roof settlement endorsement or a nonrenewal.

The Louisiana Department of Insurance (LDI) explains the two common ways a roof claim is paid. Replacement cost pays to repair or replace with like kind and quality. Actual cash value subtracts for age, wear and tear, which on a 15 or 20 year old roof can leave a wide gap between the claim check and a new roof.

Hurricanes Zeta (2020) and Ida (2021) both brought damaging wind to Jefferson Parish, and a roof patched rather than replaced after either storm tends to draw questions at renewal and at sale.

What Louisiana law says about a homeowners nonrenewal

Louisiana Revised Statute 22:1265 lets the named insured ask the insurer, in writing, for the reason for a cancellation or nonrenewal. The request must be mailed or delivered within six months after the cancellation or expiration date. Ask. A written reason tells you whether the issue is the roof, claim history or something else.

The same statute carried what agents called the three-year rule, which limited nonrenewal of a homeowners policy in force and renewed for more than three years. Act 9 of 2024 changed that. Under the current text, the protection does not apply to policies issued after August 1, 2024, and for older policies an insurer that files a plan with the commissioner may nonrenew up to five percent of its policies per calendar year for any reason. A licensed agent can shop replacement coverage.

Do not let coverage lapse while you own the house. If you have a mortgage, your loan documents generally require insurance, and a servicer may place its own coverage and charge you for it.

Where Louisiana Citizens fits

Louisiana Citizens Property Insurance Corporation is the state-created insurer of last resort for owners who cannot find coverage in the voluntary market. The Legislature has revised its pricing rules more than once in recent years, so get a current quote. Citizens also runs depopulation rounds in which private insurers can take over its policies; its website lists Round 24 as planned for December 1, 2026.

For a seller, a Citizens policy can keep the house insured while you sell, but a buyer still needs their own policy to close.

Why a buyer’s lender may balk at an old roof

A financed buyer faces two hurdles. First, insurance: lenders require property insurance on the home securing the loan, so if the buyer cannot bind a policy at a workable price, the loan cannot close.

Second, condition: Fannie Mae’s Selling Guide requires deficiencies affecting safety, soundness or structural integrity to be reported, and the lender must confirm they are fixed before the loan is delivered. HUD’s FHA appraisal guidance has called for a roof with less than two years of remaining life to be reported too. Either can become a repair demand or a contract that falls apart late.

Your options before you sell a house with an old roof in Metairie

Replace the roof, then list. More financed buyers can qualify, but you carry the cost, the contractor schedule and any required permit before the sale.

Look at the Fortified route. Under Louisiana Revised Statute 22:1483.2, insurers writing homeowners policies must offer a Fortified roof endorsement, which upgrades the roof to the IBHS Fortified standard if covered damage requires a replacement. The Louisiana Fortify Homes Program grants up to $10,000 toward construction costs, but only for a primary residence with a homestead exemption, through periodic lotteries, and the grant must be awarded before you hire a contractor. If your roof already has a Fortified certificate, LDI says it passes to the new owner on a sale.

Sell as-is for cash. With no lender involved, there is no loan approval tied to the roof and no financing contingency waiting on a buyer’s insurance quote.

Selling as-is does not end your duty to disclose known defects, so tell any buyer about the roof age, leaks, patches, the nonrenewal and any open claim.

How an as-is cash sale works with Bertucci Investment Group

We buy houses in Metairie, Old Metairie and across Jefferson Parish in their current condition. You call 504-920-4747 or fill out the form, we look at the house, roof included, and we put a cash offer in writing. We work around your closing date, with no commissions and no repairs. Keep your policy in force until the act of sale; after closing, insuring the house is our job.

If a recent storm damaged your roof and you are deciding whether to file a claim first, read our guide on selling a damaged Metairie home as-is versus filing insurance first.

Frequently asked questions

Can I sell my Metairie house if my insurer nonrenewed the policy?

Yes. A nonrenewal does not stop a sale. Keep the house insured until closing, through another carrier or Citizens if needed, and tell the buyer about the notice.

How old is too old for a roof when insuring a house in Louisiana?

No single age applies to every company. Ask your agent what your carrier requires and whether the roof is covered at replacement cost or actual cash value.

Will a buyer’s lender approve a house with an old roof?

It depends on the loan and the roof. The buyer must carry insurance, and conventional and FHA guidelines both call for serious roof problems to be reported, which can lead to repair demands or a delayed closing.

Do I have to disclose an old roof or a nonrenewal if I sell as-is?

As-is does not remove the duty to disclose known defects, and an old or leaking roof is that kind of condition. Louisiana generally requires a property disclosure document completed in good faith, though some transfers, such as certain court-ordered and succession sales, are exempt. Ask your closing attorney which rules apply.

Should I replace the roof before selling in Metairie?

Sometimes. Get a written roofing quote and timeline, then compare what you would net after that expense with a written as-is offer.

Do you buy houses with roof leaks or tarps in Old Metairie and Jefferson Parish?

Yes, in their current condition, including roofs with leaks, patches or tarps. Call 504-920-4747.

Talk to a local buyer about your Metairie house

Call 504-920-4747 or use the form above for a written as-is cash offer.

General information, not legal or insurance advice.