What we take on
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You do not need to arrange a cleanout or restoration before selling to us. Tell us what happened and what you know about safe access; you can compare written terms with the work and expense of rebuilding.
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.
When you sell to us, we pay the closing costs, including Michigan state and county real estate transfer taxes. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
What happens next
- Tell us the Detroit address, what the fire affected, and any limits on access. You can call before gathering paperwork.
- We discuss the damage and give you a written cash offer within 24 hours.
- You review the written offer and terms before you commit. If you choose to proceed, closing is through a title company.
Detroit building-safety and property contacts
If fire or building officials have restricted access or identified unsafe conditions, stay out and follow their directions. Before cleanup, repairs, or demolition, ask the City which requirements apply to the address and planned work; do not assume the structure is safe or that a permit is unnecessary.
- Detroit Buildings, Safety Engineering and Environmental Department → Ask about building-safety and permit questions for the specific address and work.
- City of Detroit Office of the Assessor → The City Assessor lists the Detroit Taxpayer Service Center as a route for assessment and parcel/tax-information questions.
Compare rebuilding with selling as-is
Put a written repair scope or contractor estimate beside the insurer’s information, your mortgage details, holding costs, and the written sale terms. Compare the likely net from each path using figures for this house; a general estimate does not say what your insurer will pay or what repairs will cost.
The Detroit calculator compares estimated listing proceeds with a cash-sale estimate using your assumptions. It is a planning comparison, not an insurance or repair estimate. Just an estimate — the actual number could be more or less depending on the home's condition.
Compare Detroit sale proceeds with your own numbers →Reviews and questions
Testimonials are real, from our transactions, verified and approved by our attorneys. Each seller's actual location appears with the quote.
What sellers say about USA Home Buyers
Questions about selling a fire-damaged Detroit house
Can I sell a fire-damaged house in Detroit, MI?
Yes. USA Home Buyers buys houses as-is in Detroit and Wayne County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I keep my 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 need to clean up, repair, or haul debris before selling to you?
No. We buy houses 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.
Can I enter the house or start cleanup after a fire?
If fire or building officials have restricted access or identified unsafe conditions, do not enter; follow their directions for the property. Before cleanup, repairs, or demolition, ask the City of Detroit which requirements apply to the address and planned work.
What happens after I ask about selling my Detroit house?
Tell us about the damage and any access limits. We discuss the property and give you a written offer and written terms before you commit. If you choose to proceed, closing is through a title company. We’ll give you a written cash offer within 24 hours.
How can I compare rebuilding with selling as-is?
Compare a written repair estimate, the insurer’s and mortgage servicer’s instructions, and the time and costs of holding the house with the written sale terms. Use property-specific figures rather than guessing at an insurance payment or repair cost. The Detroit calculator can help compare estimated listing proceeds with a cash-sale estimate using your assumptions.
Which Detroit permits apply to fire repairs?
Permit needs depend on the address and planned work. Ask Detroit’s Buildings, Safety Engineering and Environmental Department which requirements apply before beginning cleanup, repair, or demolition work.
Talk through the fire damage
Call 888-274-5006 or send the property details in the form. You can review the written terms before deciding.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address, what was damaged, and any access limits.