What we take on after a fire
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You do not have to repair the house, clean it, or haul away fire debris before selling to us.
We buy the property as it stands, including fire and smoke damage. You can tell us what happened and compare a sale without first taking on cleanup or restoration work.
Insurance proceeds and your mortgage
We buy the house exactly as it stands, and you keep your insurance proceeds.
That describes the sale to us, not what your policy covers or when claim funds are released. Wisconsin can require an insurer to set aside part of some fire settlements on property in a first-class city; those funds may cover certain city costs for demolition or public-nuisance cleanup. This special holdback does not apply to property in the City of Racine or the Village of Mount Pleasant. Any separate local repair or demolition order may still apply after a sale; selling as-is does not cancel it. Your insurer or mortgage servicer may also have requirements for claim funds. See the Wisconsin fire-loss holdback statute and the state's city-classification law.
Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
What happens next
Tell us what was damaged and what you know about access, the claim, or the mortgage. We discuss the property, give you a written offer and written terms before you commit, and close through a title company.
You can call or use the form to start the conversation. You do not have to finish cleanup first.
Local fire, safety, and permit help
If fire or building officials have restricted access or said the structure is unsafe, do not enter; follow their directions. The City of Racine and Village of Mount Pleasant have separate permit and inspection contacts, linked below.
- City of Racine: For a city fire-record request, use the Racine Fire Department record-request page. For building permits and inspections, see the City's Building Inspection Division.
- Village of Mount Pleasant: Use the Village's official Applications and Permits page to find permit information for the property.
Compare rebuilding with selling as-is
Compare the written offer and terms with your own rebuild or repair estimates, cleanup and debris costs, mortgage payoff, carrying costs, and the time and work of managing repairs. If you plan to list after rebuilding, compare the expected sale proceeds after those costs with the as-is option. Review your insurance and mortgage requirements separately with your insurer and mortgage servicer.
Use your assumptions in the calculator to compare a possible listing net with a direct-sale estimate. Just an estimate — the actual number could be more or less depending on the home's condition.
Compare sale options with the Racine-Mount Pleasant calculator →Fire-Damaged House Questions
Can I sell a fire-damaged house in Racine or Mount Pleasant?
Yes. USA Home Buyers buys fire-damaged houses as-is for cash in the City of Racine, the Village of Mount Pleasant, and Racine County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I have to clean, repair, or haul debris before selling?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. For a fire-damaged house, that means no cleanup, repairs, or debris hauling is required to sell to us.
What happens to my insurance proceeds and mortgage?
We buy the house exactly as it stands, and you keep your insurance proceeds. Wisconsin's special fire-loss holdback applies only to qualifying property in first-class cities, not the City of Racine or Village of Mount Pleasant. A separate repair or demolition order may still apply to the property, and your insurer or mortgage servicer may have claim requirements. Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
What should I know about safety, repairs, or permits after a fire?
If officials have said the structure is unsafe or restricted access, do not enter; follow their directions. The local permit and inspection links above cover the City of Racine and Village of Mount Pleasant.
What happens after I contact USA Home Buyers?
We discuss the damage and the property, 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.
How can I compare rebuilding with selling as-is?
Compare your own rebuild and cleanup estimates, holding costs, mortgage payoff, and the time involved with the written offer and terms. Confirm how your insurance proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
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.”
We give written cash offers in 24 hours.
Tell us about the damage and the property as it stands.