Sell without cleanup, repairs, or debris hauling
A fire can leave smoke, water, board-up, and structural damage behind. We buy the house as it stands, so you do not have to clean, repair, or haul debris to sell to us. Tell us what is damaged and whether officials have limited access; do not start work just to prepare for our review.
An as-is sale does not change any safety restriction or official order for the property. Keep notices and access instructions with the fire and insurance records.
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. This does not predict what your policy will pay or how your servicer will handle the claim.
What happens next
- Tell us about the damage, safe access, insurance claim, mortgage questions, notices, and the timing you have in mind.
- We discuss the property and review the details you share. We give written cash offers in 24 hours.
- Written offer and written terms before you commit; title-company closing.
When you sell to us, we pay the closing costs, including the Connecticut state and municipal real estate conveyance taxes.
Mortgage balances, liens, back taxes, and your share of current property taxes remain separate items in the sale numbers.
Putnam safety, repair, and records contacts
Do not enter a fire-damaged building if it may be unsafe. Follow directions from the fire department, building officials, utilities, and insurer for this property. Before cleanup, repairs, or demolition, ask Putnam officials whether the planned work needs approval or permits. If an official issued a notice or order, keep it with the property records; an as-is sale does not erase it.
- Town of Putnam official website — current town contacts →
- Putnam Town Clerk and Land Records → For recorded-property records; ask the town’s building or fire officials about site safety and permits.
Compare rebuilding with selling as-is
Rebuilding or listing may make sense if the work and timeline fit your plans. Compare contractor estimates, cleanup and permit costs, insurance and utility bills while you wait, and the likely sale proceeds after listing costs. For an as-is sale, compare the written offer and terms with that expected net—not just with a hoped-for asking price.
The Putnam calculator can help compare estimated listing proceeds with a direct-sale estimate using your assumptions. Its numbers are estimates, not a property-specific offer or appraisal.
Estimate Putnam home-sale proceeds with the calculator →Seller reviews
Testimonials are real, from our transactions, verified and approved by our attorneys. Each seller’s location and date stay with the review; these are not presented as Putnam transactions.
What sellers say about USA Home Buyers
Here's what sellers have said about working with us.
“The three-decker on Charlton Street had a chimney collapse in February — took out the back wall of the second floor. Structural damage, water intrusion from the open wall. My insurance company offered $37,000. Contractor said $61,000. I'm not fighting that battle. USA Home Buyers made a fair offer the next day. Closed in nine days.”
“Massachusetts foreclosure is non-judicial — the lender can foreclose by advertisement without going to court, and it can happen in as little as three months. I was behind and didn't realize how fast it would move. USA Home Buyers explained the timeline and had a written offer the same day I called. Closed in eleven days. Foreclosure cancelled.”
“I had a rental on Grafton Street that I'd been managing for eight years. Problem tenant, lead paint issues, city notices piling up. I couldn't afford to fix it and didn't want to go through eviction. USA Home Buyers bought it as-is with the tenant still there. Done in 11 days.”
Fire-Damaged House Questions
Can I sell a fire-damaged house in Putnam?
Yes. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You do not need to finish that work before asking us about an offer.
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.
Can I enter, clean up, or repair the house after a fire?
Do not enter if the property may be unsafe. Follow the directions for this property from fire and building officials, utilities, and your insurer. Before starting cleanup, repairs, or demolition, ask Putnam officials what approvals or permits apply to the planned work.
What happens after I contact USA Home Buyers?
Tell us about the damage, access instructions, insurance and mortgage questions, notices, and timing. We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing.
Talk with us about the Putnam house
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share what happened, what access is allowed, and what questions matter to you.