What we take on
Fire damage can leave cleanup, repairs, and debris to sort out. You do not have to clean the house, make repairs, or haul debris before selling to us. Tell us what happened and what you know about safe access; we can discuss the property as it stands.
Insurance proceeds and your mortgage
You keep your insurance proceeds
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 parts of the house were damaged, and any restrictions on access.
- We'll give you a written cash offer within 24 hours. We discuss the property and the information you have.
- Review the written offer and written terms before you commit. If you choose to sell, closing is through a title company.
When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage balance, liens, back taxes, and share of current property taxes remain separate.
Jackson and Madison County building and code contacts
If fire or building officials have restricted access or said the structure is unsafe, follow their directions and do not enter. Check with the office responsible for the property before starting repairs or other work.
- Jackson city permits and code questions: City of Jackson Building & Codes lists 119 E Main St., Suite 208, Jackson, TN 38301, and 731-425-8262 for permits and code-violation routing.
- County property-code complaints and inspections: Madison County Property Code Enforcement lists 100 E Main St., Suite 100, Jackson, TN 38301, and 731-423-6014. Confirm which office handles the property address.
Compare rebuilding with selling as-is
If you rebuild, compare written repair estimates, cleanup and debris needs, permit requirements, and the time and cost of carrying the property while work is underway. Ask your insurer and mortgage servicer how their requirements apply to your claim and loan. If you sell as-is, compare the written terms with the costs and work in a realistic listing or repair plan.
Use the Jackson calculator to compare estimated sale proceeds with the planning assumptions you enter. The result is an estimate, not an insurance payout or a property-specific offer.
Compare estimated Jackson home-sale proceeds →Seller reviews
Testimonials are real, from our transactions, verified and approved by our attorneys. Each seller's location remains with the review; these are not presented as fire-damage sales in Jackson.
What sellers say about USA Home Buyers
Questions about selling after a fire
Can I sell a fire-damaged house in Jackson, TN as-is?
Yes. USA Home Buyers buys houses as-is in Jackson, Tennessee and Madison County, Tennessee. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I keep my insurance proceeds if I sell?
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 the house, or haul debris first?
No. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Can I enter the house or start repairs after a fire?
If fire or building officials have restricted entry or said the structure is unsafe, follow their directions and do not enter. For permit or code questions at a Jackson city property, contact City Building & Codes; ask which office handles an address outside city limits.
What happens after I ask about a sale?
Tell us what was damaged and what you know about access. 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 written repair estimates, debris and cleanup needs, permit questions, the time and costs of carrying the property, your insurer and mortgage servicer requirements, and the written sale terms. The Jackson calculator can help compare sale proceeds with the assumptions you enter; it does not determine an insurance payment for your claim.
Talk through your Jackson fire-damaged property
Call 888-274-5006 or share the property details in the form.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Start with the address, what happened, and any access restrictions you know about.