What we take on
A fire can leave a house needing cleanup, repairs, or debris removal. You do not have to take those jobs on before asking us about a sale. We buy the property as-is, so you can tell us what is damaged and discuss an offer without first arranging a cleanout or rebuild.
If access has been restricted or the structure may be unsafe, follow the property-specific instructions before entering or arranging cleanup, hauling, or repairs.
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.
This describes the sale to USA Home Buyers. It does not predict whether an insurer will cover a loss or pay a particular amount.
What happens next
Start by telling us what happened and what matters to you. We can discuss the damage, access restrictions, insurance claim, and any mortgage requirements with you. We give written cash offers in 24 hours.
Written offer and written terms before you commit; title-company closing.
If you have a fire report, insurer correspondence, a mortgage statement, or city instructions for the property, those details can help us discuss the next steps. You can call or submit the form to start the conversation.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the fire damage and any limits on access.
Local building-safety and permit contacts
For a Santa Rosa address, start with the City of Santa Rosa's official website to find current city contact information. Ask the office responsible for your property what safety checks or permits apply before cleanup, repairs, or demolition.
Do not enter a structure marked unsafe or where access has been restricted. Follow the instructions for that property before arranging work.
Compare rebuilding with selling as-is
Compare a written estimate for the remaining repairs and cleanup, the time and cost of holding the house, and the expected net from a repaired sale with our written as-is terms. Keep your insurer's claim requirements and any mortgage requirements in the comparison; a possible sale price is not the same as the amount you keep.
The Santa Rosa home-sale net proceeds calculator can help you compare editable assumptions for a listing with what you may net. Use estimates for your own property and compare them with the written offer and terms.
Just an estimate — the actual number could be more or less depending on the home's condition.
Questions about selling after a fire
Common questions
Can I sell a fire-damaged house in Santa Rosa?
Yes. USA Home Buyers buys fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. Tell us what happened and ask for a cash offer.
Do I have to clean up or repair the house before selling to you?
No cleanup, repairs, or hauling debris is required to sell to us. We buy the house as it stands. Follow any safety restrictions or instructions that apply to the property before entering or arranging work.
Who keeps the 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.
What should I ask my insurer and mortgage servicer?
Ask how your specific claim proceeds and any mortgage requirements apply to your property. Your insurer and mortgage servicer can address their requirements for your claim; we do not guess at a particular insurance payout.
Can I enter the house or start repairs after a fire?
Follow any safety restrictions or instructions that apply to the specific property. Do not enter a structure marked unsafe or where access has been restricted. Ask the City of Santa Rosa or the responsible official what safety checks or permits apply before work begins.
What happens after I ask about an offer?
We talk through the damage and your plans, then give you a written cash offer within 24 hours. You receive written terms before you commit; closing is through a title company.
Real seller reviews
Testimonials are real, from our transactions, verified and approved by our attorneys.
What sellers say about USA Home Buyers
Talk with us about the property
Call 888-274-5006 or tell us about the damage and your next steps using the form.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.