What we take on after a fire
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You do not have to clear the house, arrange repairs, or haul debris before selling to us. Tell us what happened and any limits on entering the property; you can ask about a sale without going inside.
If the house has not been cleared for entry, stay outside. Do not start cleanup, repairs, or debris removal until the responsible officials say what is safe and allowed.
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.
What happens next
Tell us about the fire damage, access, and your timing. We'll give you a written cash offer within 24 hours. You receive written offer and written terms before you commit; title-company closing.
When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
Birmingham safety, repair, and permit contacts
Do not enter a fire-damaged structure until the responsible fire or building officials say access is safe. For a property inside Birmingham city limits, ask the City about the permits and inspections that apply to the actual work. If the property is outside city limits, check with the municipality that governs its address.
- City of Birmingham Permitting & Inspection Division → The City describes permit processing and inspections, including certificates after permitted work; this is not a rule that every sale needs a new permit or certificate.
- City of Birmingham Code Enforcement Division → For a city housing or code question, check with the City about the actual address and any notice you received.
Birmingham's incorporated boundary intersects Jefferson, Shelby, and Walker Counties. A mailing address does not establish the county for a particular parcel. Alabama's county property-tax office directory lists local offices; use the county for the actual property.
Compare rebuilding with selling as-is
Compare contractor estimates, cleanup and hauling costs, any permit or inspection steps officials say apply, and the time and carrying costs of rebuilding with the written sale terms. Ask your insurer and mortgage servicer how their requirements apply to your own claim and loan.
The home-sale net proceeds calculator can help compare an estimated listing value with what you might net after costs using your own assumptions. It is a planning estimate, not a property-specific offer.
Compare estimated Birmingham sale proceeds →Questions and contact
Company reviews
Read USA Home Buyers' company Google reviews. The profile is for the company, not a Birmingham-only rating.
Questions about selling a fire-damaged house
Can I sell a fire-damaged house in Birmingham, AL?
Yes. USA Home Buyers buys houses as-is in Birmingham, Alabama, and Jefferson, Shelby, and Walker Counties. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps the insurance proceeds, and what about my 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.
Do I have to clean up, repair, or haul debris before selling?
No. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. Tell us about the damage and any limits on safe access.
Where can I check Birmingham permit and building-work requirements?
For a property inside Birmingham city limits, ask the City Permitting & Inspection Division what permits and inspections apply to the planned work. Its page describes permits, inspections, and certificates after permitted work; that does not mean every sale requires a new permit or certificate.
What happens after I ask about an offer?
Tell us about the fire damage and what access is safe. We'll give you a written cash offer within 24 hours. You receive written offer and written terms before you commit; title-company closing.
How can I compare rebuilding with selling as-is?
Compare repair and cleanup estimates, any permit or inspection steps local officials say apply, and the time and carrying costs of rebuilding with the written sale terms. The Birmingham home-sale net proceeds calculator is an estimate using your planning assumptions, not a property-specific offer.
Which county is a Birmingham property in?
The current incorporated City of Birmingham geometry intersects Jefferson, Shelby, and Walker Counties. A Birmingham mailing address or metro-area label alone does not identify a parcel's county; check the property's actual records.
Talk through a Birmingham fire-damage sale
Call 888-274-5006 or share the property address and tell us what happened.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and the questions you have about the fire-damaged house.