Avoid unnecessary hurdles when selling your home

A story about my client, Dave;

How Channel Cities Realty Group Helped Save the Sale and Maximize His Profit:

 Dave had decided to sell his home. He listed it with CCR group, confident that it would sell quickly, given the strong market demand.

However, things took an unexpected turn when it came time for the buyers to secure insurance.

"The Insurance Hurdle"

After receiving an offer above the asking price, Dave was feeling good about the sale. But then, the buyer's insurance company reviewed the home’s condition and rejected the policy.

The reason?

The roof was old, and some of the plumbing and electrical systems hadn’t been updated to modern standards. Without insurance, the sale couldn’t move forward.

To make matters worse, the only option available for insurance was the California FAIR Plan—(a state-backed policy designed as a last resort for homes that can’t be insured through regular channels). While the FAIR Plan satisfied the mortgage lender’s insurance requirement, it was costly, offered minimal coverage, and didn’t provide the buyer with the peace of mind they needed.

A New Approach: Channel Cities Realty Group to the Rescue

Frustrated, Dave turned to Channel Cities Realty Group for help. We understood the situation and immediately went to work, taking a proactive approach.

The key to getting his home sold for top-dollar wasn’t just about marketing—it was about making sure the home would be insurable and appealing to buyers.

Our team helped Dave identify the areas of the home that needed attention, such as the roof, electrical wiring, and minor plumbing repairs. Instead of letting the home sit on the market with insurance hurdles, we recommended addressing these issues upfront—before listing the home for sale. We also explained that many of these upgrades could be built into the sale price, and in some cases, Dave could pay for the improvements at the close of escrow—with little to no out-of-pocket expenses.

Solving the Problem: Making the Home More Insurable

With our help, Dave made the necessary updates to the roof, plumbing, and electrical systems. These improvements not only made the home more insurable but also added significant value to the property, resulting in a much higher price! Additionally, we guided Dave through the Safer from Wildfires program, helping him implement safety features such as fire-resistant roofing and brush clearing around the property—leading to an insurance discount.

When it was time to relist the home, Dave’s property was in excellent shape, and buyers could secure competitive insurance policies. With the insurance issue out of the way, the new buyers were happy, and the deal moved forward without delay.

The Result: A Successful Sale

Thanks to Channel Cities Realty Group’s guidance and support, Dave was able to sell his home quickly and for top dollar. The repairs were handled smoothly through escrow, and he didn’t need to pay upfront for the work. In the end, Dave’s home sold at the price he wanted, with no insurance headaches, and he walked away with a successful sale and the peace of mind that comes from working with a trusted real estate team.

The Takeaway: Don’t Wait to Address Insurance and Repair Issues

Dave’s experience shows how important it is to be proactive when selling a home, especially when it comes to insurance and repairs. At Channel Cities Realty Group, we can help you identify and address potential issues before you market your home, ensuring that you get top dollar and avoid delays that could derail your sale.

If you’re thinking of selling your home, contact us today to learn how we can help you navigate insurance hurdles, make necessary repairs, and get your home sold quickly and for the best price. And remember, in most cases, you can cover the costs of improvements at the close of escrow—so you don’t have to worry about upfront expenses.

Channel Cities Realty Group Let us help you sell with confidence and get the most for your home—no matter what challenges come your way.

Call John

805-796-5221

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