First steps after a house fire
Secure the property, document the damage with photos, and contact your insurance company and mortgage lender. Insurance checks for structural damage are often made payable to both you and your lender. Keep every letter from your adjuster — it helps any buyer understand the scope of the damage.
Rebuild or sell as-is?
Owners usually weigh these factors:
- How much the insurance payout covers versus the real rebuild cost
- Whether you want to manage contractors for 6–12 months
- Ongoing mortgage, taxes and temporary housing costs
- Smoke, water and code-upgrade issues discovered during demolition
How we buy fire-damaged houses
We buy houses with partial or total fire damage, smoke and water damage from firefighting, and burned-out structures. We make a written cash offer on the property as-is, and the closing attorney handles paying off the mortgage. Talk with your insurer and attorney about how an open claim affects the sale.
Frequently asked questions
Can I sell a house after a fire before the insurance claim is settled?+−
Often yes, but how the claim and proceeds are handled depends on your policy and lender. Confirm with your insurer before closing.
Do you buy houses that are totally burned?+−
Yes. We buy fire-damaged houses in any condition, including total losses where only the lot has value.
Do I need to clean up fire debris first?+−
No. We buy the property as-is and handle the cleanup.
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