What we take on
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
You can talk with us while the damage is still there. You do not have to arrange cleanup, haul debris, or finish repairs before discussing a sale.
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 the New York City address, what happened, and what you know about the damage and access.
- We review what you share and give you a written cash offer within 24 hours.
- Read the written terms before you commit. If you choose to proceed, a title company handles closing.
When you sell to us, we pay the closing costs, including New York State real estate transfer tax and any applicable local real estate transfer taxes. Your mortgage payoff, liens, back taxes, and share of current property taxes remain separate.
Local building, permit, and property-record help
If the structure may be unsafe or officials have restricted access, do not enter. Follow directions for the actual property from the fire department, NYC Department of Buildings, utility provider, and insurer. Before cleanup, debris removal, repairs, or demolition, ask the officials responsible for the address what permits or inspections apply to that work. An as-is sale does not clear a building for entry or authorize work.
- NYC Department of Buildings — Certificate of Occupancy guidance. The City explains that these records describe a building’s legal use or permitted occupancy and provides an address-search route. Ask the Department of Buildings about permit or inspection requirements for the address and planned work; a record lookup is not a fire-safety clearance.
- For recorded property documents in the Bronx, Brooklyn, Manhattan, or Queens, the NYC Department of Finance’s ACRIS and City Register page lists the offices and their locations:
- Bronx County: 3030 3rd Avenue, 2nd floor, Bronx, NY 10455.
- Kings County (Brooklyn): 210 Joralemon Street, 2nd floor, Brooklyn, NY 11201.
- New York County (Manhattan): 66 John Street, 13th floor, New York, NY 10038.
- Queens County: 144-06 94th Avenue, Jamaica, Queens, NY 11435.
For an active emergency, call 911. For safety or work questions, follow the directions given for the specific property and work scope.
Compare rebuilding with selling as-is
Put the repair scope and contractor estimates beside the information from your insurer, mortgage payoff, expected holding costs, and our written sale terms. Compare actual amounts for this property instead of assuming what insurance will pay or what repairs will cost.
Use the New York City calculator to compare estimated listing proceeds with an as-is sale using your own assumptions. Just an estimate — the actual number could be more or less depending on the home's condition.
Compare New York City sale proceeds with your own numbers →Questions and contact
You can call now, even if you are still sorting out the damage, claim, or paperwork. Call 888-274-5006 or send the property details through the form below.
Fire-Damaged House New York City, NY — Common Questions
Can I sell a fire-damaged house in New York City?
Yes. USA Home Buyers buys fire-damaged houses as-is across New York City: Bronx County, Kings County (Brooklyn), New York County (Manhattan), Queens County, and Richmond County (Staten Island).
Do I need to clean up or repair the house before selling to you?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
What happens to my insurance proceeds and mortgage requirements?
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 the house or start cleanup after a fire?
If the structure may be unsafe or officials have restricted access, do not enter. Follow instructions for the actual property from the fire department, NYC Department of Buildings, utility provider, and insurer. Before cleanup, repairs, demolition, or debris removal, ask the officials responsible for the address what is allowed.
Where can I ask about NYC building records and permits?
NYC Department of Buildings guidance explains how to check a building’s certificate-of-occupancy records. Ask the Department of Buildings about permits and inspections for the property address and planned work before starting.
What happens after I contact USA Home Buyers?
Tell us the New York City address and what you know about the fire damage and access. We give you a written cash offer within 24 hours and written terms before you commit. If you choose to proceed, a title company handles the closing.
How can I compare rebuilding with selling as-is?
Compare the repair scope and contractor estimates, insurer information, mortgage payoff, expected holding costs, and written sale terms for this property. Use actual amounts rather than assuming what insurance will pay or what repairs will cost.
These testimonials are real, from our transactions, verified and approved by our attorneys. Each keeps its stated location so you can see where that seller’s experience took place.
What sellers say about USA Home Buyers
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the property and the questions you want to compare.