San Francisco, CA › Fire Damage · San Francisco County

Selling a Fire-Damaged House in San Francisco, CA

You keep the insurance money and don't have to worry about the house anymore — we'll take care of it.

We buy houses as-is in San Francisco, California, and San Francisco County. You can ask about a sale with fire, smoke, or water damage still in place.

Call 888-274-5006

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Tell us what happened and what you know about the property's condition and access.

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What we take on

We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You don't have to arrange a cleanout or repair the house before selling it 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 access, and we can discuss the property as it is now.

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

  1. We talk with you about the fire damage, the house's current condition, and any access limits.
  2. We give you a written offer and written terms before you commit.
  3. If you decide to sell to us, the closing is through a title company.

When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax.

Mortgage balances, liens, back taxes, and your share of current property taxes are separate from those closing costs.

Local building safety and permit questions

Do not enter a fire-damaged building if officials have restricted access or have not cleared it as safe. Follow directions for the property from fire and building officials and your utility providers.

Before starting repairs, ask San Francisco’s Department of Building Inspection which permits or inspections apply to the work you plan. Requirements can depend on the property and the work.

Compare rebuilding with selling as-is

Rebuilding may fit if the expected sale price after the work justifies the repair budget and time. Compare contractor estimates, cleanup, permits or inspections that may apply, carrying costs, and any insurer or mortgage-servicer requirements with a written as-is offer. A finished-home asking price is not the same as what you keep after those costs.

The calculator can help compare an as-is offer with an estimated listing net. Adjust its repair and cleanout assumptions to reflect the San Francisco property, then weigh the likely work and time against selling it in its current condition.

Compare San Francisco sale proceeds with the calculator →

Fire-Damaged House Questions

Can I sell a fire-damaged house in San Francisco as-is?

Yes. We buy houses as-is in San Francisco, CA, and San Francisco County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.

Do I keep my insurance proceeds if I sell the house?

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 repairs after a fire?

Do not enter if fire or building officials have restricted access or have not cleared the property as safe. Ask San Francisco’s Department of Building Inspection which permits or inspections apply to your planned repairs, and follow the instructions for the actual property.

What happens after I ask for an offer?

We can talk through the damage and access, then give you a written offer and written terms before you commit. If you choose to sell to us, the closing is through a title company.

What closing costs do you pay?

When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax. This does not pay your mortgage, liens, back taxes, or your share of current property taxes.

Want to discuss the fire damage?

Call 888-274-5006 or tell us about the San Francisco County property. We can talk through its condition and your questions before you decide.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Share what you know about the damage and access, and we can discuss the house as it stands.

By submitting, you agree to our Privacy Policy and Terms of Service. You consent to receive calls and texts from USA Home Buyers. We never share your information.

Prices, timing and your selling options

Home prices in San Francisco

Median sale price
$1,587,500
Redfin · San Francisco, CA; Three months ending August 2026
Median days on market
20 days
Redfin · San Francisco, CA; Three months ending August 2026
Homes sold
1,557 homes
Redfin · San Francisco, CA; Three months ending August 2026
Typical home value (Zillow ZHVI)
$1,424,767
Zillow · San Francisco, CA; As of August 2026
For-sale inventory
893 homes
Zillow · San Francisco, CA; As of August 2026

Homes in San Francisco, CA sold for a median of $1,587,500 for the three months ending August 2026 (Redfin). Repairs and condition affect what someone will pay for your house. Homes in San Francisco, CA spent a median of 20 days on the market for the three months ending August 2026 (Redfin). You still have bills while waiting to sell, including utilities and any mortgage payments. Allow time for closing, too.

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