What happens if a storm hits while my home is listed?

If a storm hits while your home is listed, the key factor is timing and how the situation is handled.

Until closing, the home is still the seller’s responsibility. That means any storm damage typically falls on you, and your homeowner’s insurance is what covers repairs. Acting quickly to document damage and file a claim is critical.

If the home is already under contract, most Florida agreements require the property to be delivered in substantially the same condition. Minor damage is usually resolved through repairs or a credit at closing. If the damage is significant, the buyer may renegotiate, delay closing, or potentially walk away.

This is where Max Smith plays a major role. Situations like this are less about the damage itself and more about how it is managed. Clear communication, fast coordination with insurance and contractors, and proper positioning with the buyer can often keep a deal together.

A storm does not automatically derail a sale. It introduces complexity, but with the right strategy, many deals still successfully close.