What we take on
Fire, smoke, and water damage can leave cleanup, repairs, and debris removal for the next owner to sort out. You do not have to clear the house, haul damaged belongings, or fix it before selling to us. We buy the property in its present condition, including when fire damage is still there.
If the structure may be unsafe, stay out until the responsible official says access is allowed. Selling as-is does not mean you should enter or start work before checking the property-specific safety instructions.
Insurance proceeds and your mortgage
We buy the house exactly as it stands, and you keep your insurance proceeds.
Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
The offer does not tell you what your insurer will pay. Keep claim and mortgage-servicer instructions with the property records you share with us.
What happens next
- Tell us the address, what happened, whether officials allow access, and any claim or mortgage instructions you have.
- We give written cash offers in 24 hours. You can read the written offer and terms before deciding whether to commit.
- If you choose to sell, the closing is handled through a title company.
When you sell to us, we pay the closing costs, including New York State real estate transfer tax and any applicable local real estate transfer taxes.
Your mortgage balance, liens, back taxes, and share of current property taxes are separate from that closing-cost promise.
Local help with safety, repairs, and permits
For a property inside Batavia city, start with the City of Batavia department directory. Ask which official handles the exact address and whether the work you are considering—cleanup, repairs, or demolition—needs a permit, inspection, or access approval. Do not assume the house is safe to enter or that work is cleared to begin. For a property elsewhere in Genesee County, confirm the responsible municipality for that address.
- Genesee County Clerk — the county's official records-office contact.
- Genesee County Treasurer and Real Property — the county's official real-property office.
Compare rebuilding, listing, and selling as-is
Before choosing a path, compare written cleanup and repair estimates, time to complete the work, costs of holding the property, and your insurer's actual claim decision with a written as-is offer. Confirm any mortgage-servicer requirements separately; do not assume a particular insurance payout.
A listing comparison should account for the work needed before showings, possible repair or inspection requests, and the costs you expect to pay while you wait. The calculator can help compare a listing estimate with estimated net proceeds after the costs you enter; it does not determine an insurance claim.
Compare Batavia sale options with the home-sale calculator →
Questions about selling after a fire?
Call 888-274-5006 or tell us about the Batavia property in the form. You can ask questions before deciding whether to sell.
What sellers say about USA Home Buyers
Here's what sellers have said about working with us.
“Monroe County family court, sale required. Park Avenue condo, beautiful neighborhood, but neither of us could buy out the other and we both needed the money to start over. USA Home Buyers gave us a written offer the same week we called. Both attorneys said yes, closed in thirteen days.”
“I was behind on my mortgage after a medical situation. New York judicial foreclosure takes 12-24 months, but once the bank files in Monroe County Supreme Court, your options narrow fast. USA Home Buyers explained exactly where I stood and closed before the foreclosure judgment. I walked out with enough to start over.”
“Lake Ontario flooding in the spring got into our basement on Lakeshore Boulevard twice. The second time killed the furnace and HVAC and left six inches of standing water. Our insurer totaled the contents but fought the structural claim. USA Home Buyers knew Charlotte's flood situation well — no surprises in the offer, no inspection drama. Closed in ten days.”
Testimonials are real, from our transactions, verified and approved by our attorneys.
Fire-Damaged House Questions
Can I sell my Batavia house with fire damage still in place?
Yes. USA Home Buyers buys houses in Batavia and Genesee County as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps the insurance proceeds if I sell?
We buy the house exactly as it stands, and you keep your insurance proceeds. Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
Can I enter or start repairs at the property?
If the structure may be unsafe, do not enter. Ask the official responsible for the property whether access is allowed and whether permits or inspections apply to the work you are considering. Confirm claim and mortgage requirements with your insurer and mortgage servicer.
What happens after I ask for an offer?
Tell us what happened, the property address, what access is allowed, and any insurer, mortgage-servicer, or local-office instructions you have. We give written cash offers in 24 hours. You receive written terms before you commit, and closing is through a title company.
We give written cash offers in 24 hours.
Share the address and what you know about the damage, access, and claim.
We'll give you a written cash offer within 24 hours.