Memphis TN › Fire Damage
Selling a Fire-Damaged House in Memphis TN
You keep the insurance money and don't have to worry about the house anymore — we'll take care of it.
Yes. USA Home Buyers buys houses as-is in Memphis and Shelby County, Tennessee. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Call 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
What we take on
You don't need to clean the house, repair the fire damage, or haul debris before selling to us. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Tell us what happened and we'll discuss the house as it stands.
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 about the fire damage and any limits on access. We discuss the property with you, give you a written offer and written terms before you commit, and close through a title company. We give written cash offers in 24 hours.
When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Local safety and permit help
Don't enter a fire-damaged house while it is unsafe or officials have restricted access. Follow the directions given for the property by fire or building officials, the utility provider, and your insurer.
The City of Memphis Housing/Code Enforcement page provides an unsafe-housing report route. The City lists 4225 Riverdale Road, Memphis, TN 38141, and (901) 636-7464. Use the City Code Enforcement page for its current instructions; this contact is not a finding that a particular house has an order or violation.
For questions about permitted construction work, the Memphis and Shelby County Division of Planning and Development says its Construction Enforcement service reviews plans, issues construction permits, and inspects new buildings and building components in Memphis. See Construction Enforcement and ask what applies to your project. That service description does not establish a blanket resale inspection or a permit requirement for a particular property.
Compare rebuilding with selling as-is
Before choosing to rebuild, compare actual cleanup and contractor estimates, permit costs, carrying expenses, and any insurer or mortgage-servicer requirements with the written terms for an as-is sale. Rebuilding may let you sell a repaired house later, but the cost, timing, and amount left to you depend on this property and project.
Use the Memphis home-sale net proceeds calculator to compare planning estimates for a listed sale with written sale terms. The calculator is an estimate, not a fire-damage assessment, insurance payout, or property-specific offer.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us what happened and whether access is restricted. We can discuss the damage and the next steps.
Fire-Damaged House Memphis TN — Common Questions
Can I sell a fire-damaged house in Memphis TN?
Yes. USA Home Buyers buys houses as-is in Memphis and Shelby County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I keep 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 my house after a fire?
Follow directions from the fire and building officials, utility provider, and insurer for your property. Do not enter while the house is unsafe or access is restricted.
What happens after I contact USA Home Buyers?
We discuss the fire damage and access, give you a written offer and written terms before you commit, and close through a title company. We give written cash offers in 24 hours.
We're not attorneys and this isn't legal advice. It's what we've learned buying houses in situations like yours for more than 20 years. If you want advice on your specific situation, talk to an attorney — we're glad to work alongside yours.
Talk with us about the property
Call 888-274-5006 or use the form to discuss the fire damage and an as-is sale in Memphis or Shelby County.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.