BBB Accredited fire-damage home buyer
We Buy Fire-Damaged Houses As-Is — No Repairs, No Cleanup
Cash offer in 24 hours. Close in as little as 7 days. Keep your insurance claim.
We answer 24/7. Hablamos español.
Insurance timeline
You can sell before or after your insurance settles — we work around your claim timeline.
How we help
A calmer way to sell after fire damage
We review fire-damaged properties as-is, talk through your insurance and closing timeline, and make a clear cash offer without asking you to repair or clean out the home first.
Read the overview
If your home has fire damage, you may be wondering whether to repair, wait on insurance, or sell. We are USA Home Buyers, a cash buyer specializing in fire-damaged properties across active service areas in 28-plus states.
We buy homes as-is — kitchen fires, total losses, smoke damage, and water damage from firefighting. No repairs, no cleanup required. You can keep your insurance claim proceeds in most cases.
Our process is simple: share your property address, we review the damage and your situation, and we provide a no-obligation cash offer within 24 hours. If it is a fit, we can close in as little as 7 to 14 days on a timeline that works for you.
Call 888-274-5006 or fill out the form on this page. We answer 24/7.
Share the property address and what happened.
We review damage, claim timing, title, and safety concerns.
You get a no-obligation cash offer when the property is a fit.
Choose a closing date and leave repairs or debris behind.
For a calm next step, call 888-274-5006 or use the form on this page.
How it works
A simple process during a difficult time
Submit your info
Share the property address and your phone number so we can review the home and reach you quickly.
Get a cash offer in 24 hours
We review the damage, claim status, and property condition, then give you a clear no-obligation offer.
Close in 7 to 14 days
Pick a closing timeline that fits your move, claim process, or family situation.
What we buy
Any level of fire damage, from smoke cleanup to total loss
Insurance questions
You can usually keep your claim and still sell the house
You can sell before or after your insurance settles — we work around your claim timeline.
We work with sellers at every stage, before the adjuster visit, during claim review, or after a payout leaves a gap.
Will I lose my insurance benefits if I sell my fire damaged house?
No. In most cases, you keep your insurance claim proceeds even if you sell the property. We can work alongside your claim timeline.
Can I sell while my insurance claim is still open?
Yes. Many sellers contact us before their claim is finalized. We can review the property and explain timing options.
What if insurance did not cover the full cost of repairs?
That is one of the main reasons owners choose to sell. We buy homes with repair gaps, smoke damage, water damage, and code issues.
Seller stories
Real situations we help solve
“After a kitchen fire, the insurance payout still left us short. They explained the numbers clearly and bought the house as-is so we could move on.”
“My mother could not handle repairs after smoke and water damage. The process was calm, respectful, and much easier than listing the property.”
“I lived out of state and inherited a house with major fire damage. They coordinated everything remotely and closed without making me fly in.”
“A tenant fire left the rental full of damage and city notices. They understood the code issues and gave me a fair path out.”
“We had a partial living room fire and weeks of smoke cleanup ahead. Selling as-is let us focus on our family instead of contractors.”
“The house was a near total loss and I assumed no one would buy it. They reviewed the lot, the claim status, and made a straightforward offer.”
Why specialists matter
We understand the problems that come after the fire
Our team understands adjuster reports, repair estimates, smoke remediation, code violations, condemnation notices, and properties that may need extensive rehab or demolition review.
That means fewer surprises, clearer expectations, and a calmer process for owners who need certainty.
Service area
Fire-damaged homes purchased in 28+ states
We handle fire-damaged property situations across active service areas and confirm coverage by address before quoting. If we are not the right buyer for your location, we will say so clearly.
Address-first review
Tell us where the property is and we will confirm whether it fits our current buying coverage.
Remote seller support
We can work with heirs, landlords, and out-of-area owners without requiring repairs or repeated property visits.
Clear next step
If the property is a fit, we explain the cash offer and closing timeline. If not, we will not waste your time.
Frequently asked questions
Straight answers for fire-damaged property owners
Will I lose my insurance benefits if I sell my fire damaged house?
No. In most cases, you keep your insurance claim proceeds even if you sell the property. We can work alongside your claim timeline.
Can I sell while my insurance claim is still open?
Yes. Many sellers contact us before their claim is finalized. We can review the property and explain timing options.
What if insurance did not cover the full cost of repairs?
That is one of the main reasons owners choose to sell. We buy homes with repair gaps, smoke damage, water damage, and code issues.
Do you buy houses with smoke damage only?
Yes. We buy homes with smoke damage, soot contamination, odor issues, and related cleanup needs, even when the structure is still standing.
How fast can I get an offer?
We typically provide a no-obligation cash offer within 24 hours after reviewing the property details.
How quickly can we close?
Most closings happen in 7 to 14 days, but we can move faster or slower depending on your insurance, title, and relocation needs.
Ready when you are
Tell us about the property and we will take it from there
Whether the damage is recent or you have been stuck for months, we can review the home, explain the next steps, and offer a direct sale path.
Call 888-274-5006