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 arrange cleanup, repairs, or debris hauling before selling to us. If officials have restricted entry or the structure may be unsafe, do not go inside. Follow directions for the actual property from fire and building officials and utility providers before entering or arranging work.
Insurance proceeds and your mortgage
We buy the house exactly as it stands, and you keep your insurance proceeds. That describes the sale to us; it does not say what your insurer will cover or pay. Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
Keep your claim information and any instructions from your insurer and mortgage servicer together while you compare options. The requirements for your claim and loan depend on your own documents and situation.
What happens next
- Tell us what happened and what you know about the damage and access to the house.
- We'll give you a written cash offer within 24 hours. We give you the written offer and terms before you commit.
- If you choose to proceed, a title company handles closing.
When you sell to us, we pay the closing costs, including Virginia state and local recordation taxes, grantor tax and any applicable regional WMATA capital fee, regional congestion relief fee or regional transportation improvement fee.
Your mortgage, liens, back taxes, and share of current property taxes are separate.
Charlottesville building safety and permit help
Charlottesville is an independent city, not part of a county government. For a house inside the City, contact the City about building and permit questions; do not assume Albemarle County is the office for a City property. If the structure is unsafe or entry is restricted, do not enter and follow the directions given for that property.
The City's Building Inspections division provides information about building and trade permits and inspection requests. Ask what applies to the address and planned work before arranging repairs or debris removal. City of Charlottesville Building Inspections →
Compare rebuilding with selling as-is
A useful rebuild comparison can include a contractor's written scope and estimate, the time before the work is complete, any address-specific permit or inspection questions, and directions from your insurer and mortgage servicer. Compare those costs and timing with the written as-is offer and your expected net.
Use the calculator to compare sale assumptions and possible net proceeds. It is a planning tool, not a repair quote or an insurance decision.
Compare Charlottesville home-sale net proceeds →Questions and contact
Talk through the damage and your options with USA Home Buyers. Call 888-274-5006 or use the form below. You can also read our Charlottesville seller resources or local code and repair information .
What sellers say about USA Home Buyers
Questions about selling after a fire in Charlottesville
Can I sell a fire-damaged house in Charlottesville?
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. USA Home Buyers buys houses as-is for cash in the City of Charlottesville, Virginia.
What happens to my insurance proceeds and mortgage requirements?
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 need to clean up, repair, or haul away fire debris before selling?
No cleanup, repairs, or hauling debris are required to sell the fire-damaged house to us. If officials have restricted entry or the structure may be unsafe, do not enter; follow directions for the actual property from fire and building officials and utility providers.
Who can answer building-permit questions for a Charlottesville house?
The City of Charlottesville Building Inspections division provides the permit and inspection route. Ask the City what applies to the property address and the work you are considering.
How can I compare rebuilding with selling the house as-is?
Compare a contractor’s written scope and estimate, expected repair time, permit or inspection questions, and your insurer’s and mortgage servicer’s directions with the written as-is offer and your expected net. The calculator is for comparing sale assumptions, not a repair quote or an insurance decision.
What happens after I ask about an offer?
Tell us about the damage and any access restrictions. We'll give you a written cash offer within 24 hours. You receive written terms before you commit, and closing is through a title company.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the fire damage and any limits on entering the property.