What we take on
A fire can leave damaged rooms, smoke cleanup, and debris. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You do not have to clear the house or finish repairs before discussing a sale with us.
Tell us what happened and what you know about the damage and safe access. If the structure may be unsafe or officials have restricted entry, stay out and follow their directions for that address.
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 what happened and share what you know about the damage and access.
- We'll give you a written cash offer within 24 hours. Written offer and written terms before you commit; title-company closing.
- If you choose to proceed, a title company handles the closing.
When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
Hammond safety, repairs, and permit contacts
If the house may be unsafe or officials have restricted entry, stay out and follow directions from the fire or building officials responsible for the property and from utility providers. Before cleanup, repairs, or demolition, ask the City which access, permit, or inspection requirements apply to that address and planned work.
- City of Hammond official website → Start here to find the City office responsible for building-safety, repair, and permit questions.
- Lake County Treasurer → The County lists a Hammond office at 232 Russell Street for property-tax routing; confirm current office details and account information directly.
- Lake County Recorder → The County lists its recording office at 2293 N. Main Street in Crown Point. Confirm current document and search details with the Recorder.
Compare rebuilding with selling as-is
Put written repair and cleanup estimates, debris costs, any permit or inspection steps the City identifies, and the time and carrying costs of rebuilding beside the written sale terms. Ask your insurer and mortgage servicer how their requirements fit your claim and loan; do not assume a particular insurance payment.
Use the Hammond home-sale net proceeds calculator to compare estimated sale proceeds with your own assumptions and costs. Its result is an estimate, and the actual number could be more or less depending on the home's condition.
Open the Hammond home-sale net proceeds calculator →Questions and contact
Call 888-274-5006 or send the property details through the form.
Read USA Home Buyers seller reviews →
Fire-Damaged House in Hammond, IN — Common Questions
Can I sell a fire-damaged house in Hammond, IN?
Yes. USA Home Buyers buys houses as-is in Hammond and Lake County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I need to clean up, repair, or haul debris before selling?
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
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.
Can I enter the house or start cleanup after a fire?
If the structure may be unsafe or officials have restricted access, stay out and follow the directions for that address from fire or building officials, utility providers, and your insurer. Ask the City of Hammond which office handles building-safety and permit questions for the property before starting work.
What happens after I contact USA Home Buyers?
Tell us what happened and what you know about the damage and access. We'll give you a written cash offer within 24 hours. Written offer and written terms before you commit; title-company closing.
How can I compare rebuilding with selling as-is?
Compare written repair and cleanup estimates, debris costs, any permit or inspection steps the City identifies, and the time and carrying costs of rebuilding with the written sale terms. Confirm how any insurance proceeds and mortgage requirements apply to your own claim.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the property, damage, and access.