“The Cash Offer Company”
Dealing with a house that has cracked walls, sagging floors, or a shifting foundation? You’re not alone. Every year, hundreds of homeowners across Virginia look to sell properties with structural damage and many feel stuck between costly repairs and buyer rejections.
The good news: You can still sell your house in Virginia even with structural issues. In this 2025 guide, we’ll break down what counts as structural damage, how it affects your sale, and how to get a fast, fair offer without fixing a thing.
The Cash Offer Company helps Virginia homeowners sell as-is even if the house is cracked, sinking, or unsafe to occupy. Here’s how it works.
What Counts as Structural Damage?
Structural damage goes beyond cosmetic issues. It usually affects the integrity of the house its ability to stay upright, level, and safe. Common types of structural damage include:
- Foundation cracks or shifting
- Settling or sinking floors
- Bowing or leaning basement walls
- Rotted sill plates or framing
- Roof sagging or truss failures
- Fire or water damage to load-bearing structures
If these issues are present, most traditional buyers will walk away or their lenders will.
How Structural Issues Affect Financing
If you’re selling to someone who needs a mortgage, their bank will require a home inspection and possibly a structural engineer report. If damage is found, financing may be denied especially with VA, FHA, or USDA loans.
You may also run into:
- Low appraisals that don’t match asking price
- Repair addendums requiring you to fix issues before closing
- Delayed or canceled closings from nervous buyers or loan officers
That’s why many sellers choose to work with cash buyers who can skip inspections and buy the house exactly as it sits.
Do I Have to Fix Structural Damage Before Selling?
No. You are not legally required to repair the home before selling. However, you must disclose known structural issues under Virginia law.
That means if you know there’s a major foundation problem, bowed wall, or compromised roof, you can’t hide it — and a buyer could back out or sue post-closing if you do.
Repairing Makes Sense If:
- You have the money and time to fix the issue
- You want top dollar and can wait for a retail buyer
- You have documentation and licensed contractors ready
Selling As-Is Makes Sense If:
- You don’t want to spend $15,000–$80,000 on repairs
- You need to sell fast and don’t want inspections
- You’re dealing with inherited property, code violations, or bad tenants
How We Help Sellers With Structural Problems
At The Cash Offer Company, we buy homes with serious damage even when agents say they’re “unsellable.” We specialize in:
- Cracked foundations and failing crawlspaces
- Roof structure damage from tree falls or age
- Water or termite-related wood rot
- Homes declared unsafe by inspectors
You don’t need to do anything. No engineering report. No contractor bids. No repairs.
Where We Buy Structurally Damaged Homes in Virginia
- Richmond – including older neighborhoods like Church Hill and Jackson Ward
- Chester, Powhatan, Henrico, and Petersburg
- Inherited homes, long-vacant properties, and homes built before 1970 with known framing issues
How the As-Is Sale Process Works
- Contact us: We’ll ask about the property and its condition
- Schedule a visit or send photos: No inspections required
- Get your cash offer: Within 24–48 hours
- Pick your closing date: As fast as 7–14 days
We handle all paperwork, closing costs, and communication with the title company even if there are liens or city violations.
FAQs: Selling a House With Structural Damage in Virginia
Can I sell my house if it has foundation cracks?
Yes. Many homes in Virginia develop cracks over time. We’ll buy homes with minor or severe issues no repairs required.
What if a contractor said my house is unsafe?
No problem. We buy homes in any condition even if the city or county has flagged it as a safety risk.
Will insurance cover structural repairs before I sell?
Sometimes. But claims are limited unless damage is sudden (like from fire, flood, or storm). Most long-term settling is excluded.
Do I need a structural engineer report to sell?
No, not if you’re selling to a cash buyer like us. We’ll do our own assessment and skip the red tape.
Why Work With The Cash Offer Company?
We’re a local, family-run home buying company based in Richmond. We’ve helped sellers across Virginia move on from homes that are damaged, inherited, vacant, or simply too much to fix.
- Sell your house as-is — no repairs, no agents
- We buy homes with foundation, roof, termite, and structural issues
- We pay cash and close fast
- You don’t have to clean or fix anything
Take the Next Step
Dealing with a house that’s falling apart? Let’s talk. We’ll give you a fair cash offer and help you sell your Virginia home no matter how bad the damage is.
Contact Information
The Cash Offer Company
Phone: 804-215-4004
Email: info@thecashoffercompany.com
Website: https://www.thecashoffercompany.com/
Disclaimer: This blog is for informational purposes only. It does not constitute legal, structural, or engineering advice. Please consult a licensed professional for property-specific assessments.