Santa Cruz, CA · Santa Cruz County · Fire Damage
Selling a Fire-Damaged House in Santa Cruz, CA
You keep the insurance money and don't have to worry about the house anymore — we'll take care of it.
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. USA Home Buyers buys houses as-is in Santa Cruz and Santa Cruz County. Tell us about the damage and ask for a cash offer; call 888-274-5006 or use the form.
You can start with the property address and what you know. You do not need to clean out or repair the house before asking us to review it.
We give written cash offers in 24 hours.
Tell us what happened and what you know about the house now.
We'll give you a written cash offer within 24 hours.
Sell without cleanup, repairs, or hauling debris
You do not have to arrange a cleanout, repair the fire damage, or haul debris before selling to us. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You can tell us what is still in the house and what work has or has not been done.
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.
What happens next
Start by telling us about the fire damage, the house as it stands, and any limits on access. Send the address and the details you have; you do not have to assemble a complete file before asking about a sale.
- We discuss the damage and the practical details you know about the property.
- We give written cash offers in 24 hours.
- You receive written offer terms before you commit. If you choose to sell to us, the closing is handled 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. Your mortgage payoff, liens, back taxes, and share of current property taxes remain separate items.
Local safety, repair, and permit help
If officials have restricted entry or the structure may be unsafe, stay out and follow the directions for that address. Before removing debris or starting repairs, ask the local authority what access, permit, or inspection requirements apply to the property and the work you are considering.
The City and County handle different local questions. Give the office the full property address so it can direct you to the right place.
- City of Santa Cruz official website ↗ — start here for a house within city limits and ask which City office handles safety, repair, or permit questions for the address.
- Santa Cruz County department directory ↗ — use the address to identify the appropriate County office for a property outside city limits.
Compare rebuilding with selling as-is
A rebuild plan starts with the damage that is actually there: safety directions, contractor estimates, insurance claim details, mortgage-servicer requirements, and the time and cost of carrying the house during work. Ask the local authority which permits or inspections apply before starting work.
Compare that plan with a written as-is offer and a possible listing net after repairs, listing costs, concessions, and carrying expenses. The sale price alone does not show what you would keep after those costs.
Compare estimated net proceeds with the Santa Cruz calculator →Fire-damaged house questions
Can I sell a fire-damaged house in Santa Cruz as-is?
Yes. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. We buy houses as-is in Santa Cruz, CA and Santa Cruz County.
What happens to 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.
Do I need to clear debris or repair the house first?
No. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris required to sell to us.
Can I enter the property after the fire?
If officials have restricted entry or the structure may be unsafe, stay out and follow the directions for that address. Before cleanup or repair work, ask the local authority which access, permit, or inspection requirements apply.
What happens after I ask about an offer?
Tell us what you know about the damage and access. We give written cash offers in 24 hours. You receive written offer terms before you commit, and the closing is handled through a title company.
Talk with us about the Santa Cruz property
Call 888-274-5006 or send the property address through the form.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
We'll give you a written cash offer within 24 hours.