What we take on after a fire
You do not need to clean the house, repair fire damage, or haul debris to sell it to us. We buy the house exactly as it stands, so you can ask about a sale before taking on cleanup, restoration, or debris removal.
If officials have restricted access or said the structure is unsafe, do not enter. Follow the directions for the actual property before arranging any work.
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, what damage you can see, whether access is restricted, and what you know about the insurance claim and mortgage. We discuss the property, give you a written offer and written terms before you commit, and close through a title company. You can read the terms and decide whether they work for you.
When you sell to us, we pay the closing costs. When you sell to us, we pay the Wisconsin real estate transfer fee. This does not pay your mortgage, liens, back taxes, or your share of current property taxes. See Wisconsin Statutes, Chapter 77 for the transfer-fee law.
Hudson building safety and permit contacts
If officials have restricted access or said the house is unsafe, stay out and follow their directions. For a property inside City of Hudson limits, start building-work or inspection questions with the City's Building Inspector or check the City's permits and forms. Ask the City whether a permit or inspection applies to the exact address and planned work before cleanup, repairs, or demolition.
City of Hudson permits are not a substitute for checking the responsible office for an address in the separate Village of North Hudson, Town of Hudson, Town of Troy, or another municipality. Use the property's address to confirm which local office handles the question.
Compare rebuilding with selling as-is
If you rebuild, compare written repair and cleanup estimates, debris removal, the time and bills involved while work is underway, and any permits or inspections for the planned work. Confirm how the insurance claim and mortgage requirements apply with your insurer and mortgage servicer.
If you sell as-is, compare the written offer and terms with those costs and the time you want to spend on the property. Use your own planning assumptions in the Hudson home-sale net proceeds calculator. The calculator is an estimate based on the information entered, not an insurance claim estimate or a property-specific offer.
Testimonials are real, from our transactions, verified and approved by our attorneys. Each seller's location is shown with the review; nearby reviews are not presented as Hudson transactions.
What sellers say about USA Home Buyers
Questions about selling after a fire?
Fire-damaged house questions
Can I sell a fire-damaged house in Hudson, WI as-is?
Yes. USA Home Buyers buys houses as-is in the City of Hudson and across St. Croix County, Wisconsin. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps the insurance proceeds if I sell the house?
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 cleaning up after a fire?
If officials have restricted access or said the structure is unsafe, do not enter. Follow the directions for that property. Before cleanup, repairs, or demolition, ask the responsible building official whether permits or inspections apply to the planned work.
Do I have to repair the fire damage or haul away debris before selling to you?
No. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
What happens after I ask about an offer?
Tell us what happened and what you know about the damage, access, insurance claim, and mortgage. We discuss the property, give you a written offer and written terms before you commit, and close through a title company. We'll give you a written cash offer within 24 hours.
Which costs do you pay when I sell to you?
When you sell to us, we pay the closing costs. When you sell to us, we pay the Wisconsin real estate transfer fee. This does not pay your mortgage, liens, back taxes, or your share of current property taxes.
How should I compare rebuilding with selling as-is?
Compare written repair and cleanup estimates, debris removal, the costs of carrying the property while work is underway, and the written offer and terms. Ask your insurer and mortgage servicer how their requirements apply to your claim. Check with the official responsible for the property about permits or inspections for planned work.
Call 888-274-5006 or use the form below to tell us about the damage and the property.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and what you know about the damage and access.
Prefer to talk? Call 888-274-5006.