Manchester, NH › Fire damage
Selling a Fire-Damaged House in Manchester, NH
You keep the insurance money and don't have to worry about the house anymore — we'll take care of it.
USA Home Buyers buys houses as-is in Manchester, NH and Hillsborough County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Call 888-274-5006We give written cash offers in 24 hours.
Tell us what happened and what you know about the damage.
What we take on
You can sell without cleaning the house, repairing fire damage, or hauling debris. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You do not need to restore the property before discussing a sale. Tell us what you know about the damage and any limits on access.
Insurance proceeds and your mortgage
If you still have a mortgage, your lender may have a say in how that check is used — we'll walk through it with you.
New Hampshire allows a city lien on some fire-insurance proceeds only when the property’s assessed value is too low to cover the least costly repair, razing, or removal and the owner has no other real estate in the state. A court approves the estimated cost. The lien is limited to that cost minus the property’s remaining value, and recorded liens and a mortgage lender named on the policy as an additional insured or loss payee come first. The insurer must receive the city’s order and estimated lien amount; the rule reaches only proceeds it then holds and owes the owner. The insurer pays the owner any amount above the lien. See New Hampshire RSA 155-B:9-a for the full conditions.
When we buy the house exactly as it stands, you keep your insurance proceeds.
What happens next
- Tell us what happened, what you know about the damage, and whether anyone has restricted access.
- We give you a written cash offer within 24 hours.
- You receive 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 New Hampshire real estate transfer tax. That does not pay your mortgage, liens, back taxes, or your share of current property taxes.
Call whenever you want to talk about the house: 888-274-5006.
Manchester fire-safety and permit contacts
Do not enter if the structure is unsafe or officials have restricted access. Follow directions for the actual property from fire or building officials, your utility provider, and your insurer. Before cleanup, debris removal, repairs, or demolition, ask Manchester officials which permits or approvals apply to the address and planned work.
- For fire-safety questions, start with the City of Manchester's Fire Prevention Bureau and its Fire Permits page.
- For building and repair questions, use the City's Building page and Building Permit Applications. Ask about inspections or approvals for the work you are considering.
- For county recorded-document questions, contact the Hillsborough County Register of Deeds.
Compare rebuilding with selling as-is
If you rebuild, compare contractor estimates, cleanup and debris costs, any approvals the City says apply, and the time and carrying costs while work is underway. Then compare those expenses and your insurance and mortgage information with the written terms for an as-is sale.
The Manchester calculator can help compare estimated sale proceeds and costs. Its result is an estimate, not a property-specific offer or an insurance or mortgage decision.
Compare estimated Manchester sale proceeds and costs in the calculator →
Seller reviews and questions
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Questions to ask before you decide
- What damage and access limits are reflected in the written terms?
- What would cleanup, rebuilding, permits, and time away from the house cost?
- What does my insurer or mortgage servicer require for this claim?
- Which city directions or approvals apply to the work I am considering?
Fire-damaged house questions
Can I sell a fire-damaged house in Manchester, NH?
Yes. USA Home Buyers buys houses as-is in Manchester, NH and Hillsborough County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps my insurance proceeds if I sell?
New Hampshire allows a city lien on some fire-insurance proceeds only when the assessed value is too low to cover the least costly repair, razing, or removal and you own no other real estate in the state. A court approves the estimated cost; the lien is limited to that cost minus the property’s remaining value, and recorded liens and a mortgage lender named as an additional insured or loss payee come first. The insurer must receive the city’s order and estimated lien amount, and the rule reaches only proceeds it then holds and owes you. The insurer pays you any amount above the lien. If you still have a mortgage, your lender may have a say in how that check is used — we’ll walk through it with you. We buy the house exactly as it stands, and you keep your insurance proceeds.
Do I need to clean up or repair the house before selling to you?
No. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
What should I check before entering or starting work?
Follow directions from fire or building officials, your utility provider, and your insurer for the actual property. Do not enter if the structure is unsafe or access is restricted. Before cleanup, debris removal, repairs, or demolition, ask Manchester officials which permits or approvals apply to the address and planned work.
Talk with us about your Manchester property
USA Home Buyers buys houses as-is in Manchester, NH and Hillsborough County. Call 888-274-5006 or use the form to tell us what happened.
We give written cash offers in 24 hours.
Share the address and what you know about the damage.
Related Manchester resources
Prices, timing and your selling options
Home prices in Manchester
Homes in Manchester, NH sold for a median of $459,781 for the three months ending September 2026 (Redfin). Repairs and condition affect what someone will pay for your house. Homes in Manchester, NH spent a median of 23 days on the market for the three months ending September 2026 (Redfin). You still have bills while waiting to sell, including utilities and any mortgage payments. Allow time for closing, too.