What we take on after a fire
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You can talk with us before arranging a cleanup crew or repair work. Tell us what was damaged and whether anyone has restricted access; you do not have to clear the house or haul debris before asking about a sale to us.
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
We talk through the fire damage, access instructions, and the property details with you. Written offer and written terms before you commit; title-company closing.
When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
Share what you know, and we can discuss any records needed to review the house. A fire report, insurer correspondence, and any access or repair notice can help us understand the property file; don't enter or retrieve papers from a structure that has not been cleared for safe access.
Local safety, permit, and records contacts
Stay out of a structure until the officials responsible for that address say it is safe. Do not start cleanup, demolition, repairs, or occupancy on the assumption that they are allowed; check the actual fire-safety directions and any permit requirements first. Call 911 for an active emergency.
- For a property within Montgomery city limits, start at the City of Montgomery's official website to find the office responsible for the address and ask about building-safety clearance or repair permits. Outside city limits, use the jurisdiction named on the fire or permit notice; county addresses are not all within the city.
- For county recording questions, contact the Montgomery County Probate Court — Records & Recording Division.
Compare rebuilding with selling as-is
If you are deciding whether to rebuild, compare written repair and cleanup estimates, permit requirements, carrying costs, and the time and work involved with an as-is sale. For either path, keep your insurer and mortgage servicer's claim and mortgage requirements in view. Compare the likely sale proceeds after repairs with any written as-is offer and its terms; the right choice depends on this property and your priorities.
Use the Montgomery home-sale proceeds calculator to compare editable planning assumptions. It is an estimate, not a repair bid or an offer for this house.
Testimonials are real, from our transactions, verified and approved by our attorneys. Each quote keeps the seller's stated location and date; a nearby-market quote is not presented as a Montgomery transaction.
What sellers say about USA Home Buyers
The company Google rating shown with these testimonials is separate from the transaction reviews. See more on the Montgomery seller reviews page.
Questions about selling a fire-damaged house
Can I sell a fire-damaged house as-is in Montgomery?
Yes. USA Home Buyers buys houses as-is in Montgomery, AL and Montgomery County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I keep insurance proceeds if I sell after a fire?
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?
Do not enter a structure until the officials responsible for that property say it is safe. Do not assume cleanup, inspection, demolition, repairs, remediation, or occupancy are allowed. For an active emergency, call 911; for site-specific directions, follow the fire department, utility, insurer, and building official responsible for the address.
What happens after I ask about selling?
We discuss the fire damage and access instructions with you. You receive written offer terms before you commit, and the sale closes through a title company.
What closing costs do you pay in Alabama?
When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
How can I compare rebuilding with selling the house as-is?
Compare written repair and cleanup estimates, any permit requirements, carrying costs, insurance and mortgage requirements, and the terms of an as-is offer. A calculator estimate can help you compare planning assumptions, but it is not a repair estimate or an offer for your house.
Where can I check local safety, permit, or recording questions?
For a property within Montgomery city limits, use the City of Montgomery website to find the office responsible for that address and ask about building-safety clearance or repair permits. Outside city limits, use the jurisdiction named on the fire or permit notice. Montgomery County Probate Court has a Records & Recording Division for county records questions.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.