What we take on after a fire
You do not have to clean the house, make repairs, or haul away fire 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 you know about the damage and what remains in the house so we can discuss it as it stands.
If officials have restricted entry or the house may be unsafe, stay out and follow their directions before entering or starting work.
Insurance proceeds and your mortgage
We buy the house exactly as it stands, and you keep your insurance proceeds.
If you still have a mortgage, your lender may have a say in how that check is used — we'll walk through it with you.
What happens next
- Tell us about the fire, the damage you know about, and any access restrictions.
- We discuss the property with you as it stands.
- We give you written offer terms before you commit; if you choose to proceed, closing is through a title company.
When you sell to us, we pay the closing costs, including Vermont's property transfer tax and Clean Water Surcharge. Your mortgage balance, liens, back taxes, and share of current property taxes remain separate.
Safety, building, and permit questions
If fire or building officials have restricted access, follow their directions. Before entering an unsafe structure or starting cleanup, repairs, or demolition, ask the official responsible for the property what is allowed.
For a property inside the City of Rutland, the City Building Department says Certificate of Occupancy inspections are required for all real-estate transactions. Ask the Department about the current process and your property's status. Rutland City and Rutland Town are separate municipalities; the City's process should not be assumed for a Rutland Town address.
- City of Rutland Building Department → For building process and safety questions.
- Certificate of Occupancy information → Review the City's published inspection process.
- City of Rutland Planning & Zoning → Ask whether City rules apply to the address and proposed repair or rebuilding work.
Compare rebuilding with selling as-is
Put written cleanup, repair, debris-removal, and rebuilding estimates beside the written sale terms. Consider the time and ongoing property costs while work is underway, along with any requirements your insurer, mortgage servicer, or local officials give you for this property.
Use the Rutland home-sale calculator with your own assumptions to compare possible sale proceeds with rebuilding estimates. Just an estimate — the actual number could be more or less depending on the home's condition.
Compare possible Rutland sale proceeds with the calculator →Read seller reviews
Read our Google reviews from the company profile.
Questions about selling a fire-damaged Rutland house
Can I sell a fire-damaged house in Rutland, Vermont?
Yes. USA Home Buyers buys houses as-is in the City of Rutland and Rutland County, Vermont. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps the insurance proceeds if I sell?
We buy the house exactly as it stands, and you keep your insurance proceeds. If you still have a mortgage, your lender may have a say in how that check is used — we'll walk through it with you.
Can I enter or clean up a house after a fire?
If fire or building officials have restricted access, or the house may be unsafe, do not enter. Follow directions for the property and check with the responsible officials before starting cleanup, repairs, or demolition.
Does a Rutland City property need a Certificate of Occupancy inspection?
The City of Rutland Building Department says Certificate of Occupancy inspections are required for all real-estate transactions within the City. Contact the Department about the current process and the result for your property. Rutland Town is a separate municipality, so do not assume the City process applies there.
What happens after I ask about an offer?
Tell us what happened and what you know about the damage and access. We discuss the property with you and give you written offer terms before you commit; closing is through a title company if you choose to proceed. We'll give you a written cash offer within 24 hours.
Talk through a Rutland fire-damage sale
Call 888-274-5006 or share the address and what you know about the damage and access.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Send the address and tell us what you know about the fire damage and access.