Short answer: yes. Bertucci Investment Group buys Orange Beach houses and condos with active hurricane damage, prior damage that was never fully repaired, and open insurance claims. This post walks through what actually happens at closing, how insurance proceeds get handled, and what documentation makes the process faster.

What “as-is” actually means

As-is means we buy the property in its current condition, no repairs required from you. You do not need to tarp the roof, replace drywall, remediate mold, or negotiate with a contractor. If a room is unusable, we already know. If the appliances are stripped or a wall is open, that is priced into our offer. What you see is what we take.

Open insurance claims: three common paths

The trickiest piece is usually an unresolved insurance claim. There are three normal ways it gets handled at closing, and the right one depends on your situation.

Path 1: Claim closes before your sale closes. The carrier issues a check to you (and often to the mortgage servicer if there is a loan) before we close. You bank the proceeds and we buy the house at its distressed value. Simple, but only workable if the carrier is moving quickly.

Path 2: Claim assigns to us at closing. Some carriers and policies allow a formal assignment of the open claim to the new owner at closing. We take over the claim, we take over the repairs, and our offer reflects that we are taking that risk. The title company handles the paperwork. Not every carrier allows this cleanly, so we check policy language before writing the offer this way.

Path 3: Claim proceeds get escrowed at closing. A middle path: the carrier issues proceeds to a title-company-held escrow account, and the terms of how they get released are set in the closing documents. This lets both sides move to close without waiting for the claim to fully wrap.

What documentation helps

Four things speed the process, if you have them: the carrier’s claim number and adjuster contact, the adjuster’s estimate or scope-of-loss document, photos of the damage (before any repair work), and your mortgage payoff statement if there is a loan. None are strictly required. If you do not have them or do not know where they are, we can still make an offer and pull what we need with your signed authorization.

Roof damage, water damage, structural damage

All three are situations we buy every week. Roof damage from wind, water intrusion into ceilings and walls, structural damage from tree impact or storm surge: none of these disqualifies a house. In many cases they are the reason you are talking to us instead of a retail buyer. Financed buyers cannot close on a house with an active roof leak because the lender’s insurance quote will not fund. Cash buyers can.

Timeline

Cash offer within 24 hours of us seeing the property details. Most closings happen 7 days from acceptance. If we are structuring around an open claim, add whatever time the claim path requires (usually a few extra days for a straightforward assignment or escrow arrangement, longer if the carrier is dragging).

What next

Fill out the form above with the property address and a quick description of the damage. We will follow up the same day. See our Orange Beach cash buyer page for the full process, or the Baldwin County hub for coverage across the county.

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Do you buy houses with an unresolved insurance claim?

Yes. We buy houses with open claims and can structure closing three ways: claim closes first and you keep the proceeds, claim assigns to us at closing, or claim proceeds escrow at closing with release terms in the closing documents. Which path works depends on your carrier and policy language.

Do you buy houses with active roof leaks or water damage?

Yes. Active water damage is a common reason owners come to us. Financed buyers get blocked because their lender’s insurance quote will not fund on a house with an open leak. Cash closes without that issue.

What about tarp-only roofs or houses that need full re-roofing?

We buy them. You do not need to complete any roof work before closing. The condition is factored into the offer.

Do I need to give you the insurance adjuster’s estimate?

It helps but it is not required. If you have the claim number and adjuster contact, we can pull what we need with your signed authorization. If you do not, we can still make an offer based on our own walk-through.

Will you make an offer if I have not filed a claim yet?

Yes. Some owners prefer to sell without ever filing a claim, especially if the deductible is high or the carrier is threatening non-renewal. We can price the offer with that path in mind.

Are there any fees or costs to me?

None. No commissions, no fees, no closing costs to you. The offer amount is what you receive at closing.

Do I need to be in Alabama for the closing?

No. Most Orange Beach owners in this situation live out of state. We handle everything remotely by email and mail-away closing through the title company.

Bertucci Investment Group, a Louisiana-based real estate investment company, buys houses and condos directly in Baldwin County, Alabama.