Smoke + soot damage
Even contained fires leave smoke residue through ductwork and porous materials. Drywall, insulation, carpet, and HVAC often need full replacement — most buyers walk; we don't.
$8k–$45k typical remediation
Fire-damaged property · cash buyer · 50 states
Sell a fire-damaged house — fast, as-is, with no repairs.
Soot, smoke, structural damage, suppression water, open insurance claim — none of it stops us. We buy fire-damaged houses in any condition, at any stage of the claims process, anywhere in the country. Firm offer in 24 hours; close in as little as 7 days.
No inspection required·Open claim ok·A+ BBB · since 2014
Sell Your House As-Is.
Get a Cash Offer From a Real Buyer — Not an Algorithm.
We buy houses nationwide. No repairs. No realtors. No fees. A real person calls back within 7 minutes.
Live · 7-min callback 4.8 · Verified Google reviews
Your address is private. We never share or sell your data.
After the fire
The market for fire-damaged homes is mostly cash buyers.
After a house fire, the financed-buyer market essentially closes for you. FHA and VA loans won't fund on fire-damaged collateral. Conventional lenders require the home to be habitable at closing — which means full remediation before you can list. That's typically $40,000 to $250,000+out of your pocket, sometimes before insurance has paid out, and almost always before you're emotionally ready to manage a renovation project.
The buyers who CAN move on a fire-damaged property are cash investors. We're one of them — and we've been doing this kind of acquisition since BiggerEquity started in 2014. Soot, water damage, structural, total loss, mid-claim, post-claim, denied claim — there isn't a fire scenario we haven't closed on.
The four types of fire damage
Every fire is different. We've seen each one.
These are honest ranges from our acquisitions file — not industry-association estimates. Your number will land somewhere in here.
Water from suppression
Fire-department water can cause more dollar-impact than the flames themselves. Subfloor rot, drywall, electrical — we factor it in.
$10k–$60k secondary damage
Structural fire damage
Charred framing, compromised roof trusses, smoke-stained masonry. Engineering report not required — we send our own contractor.
$50k–$200k+ rebuild
Total or partial loss
Slab + foundation intact, structure gone? We still buy the land + whatever's salvageable. Helpful when insurance proceeds don't fully rebuild.
Land value floor + rebuild upside
Insurance + the claim
You can sell at any stage of the claim.
Four common scenarios — and exactly how we handle each.
Claim still open — payout pending
We can buy the property and assign the open claim to us at closing, OR we can close around it and you keep the eventual check. Whichever nets you more. Our title attorney has done this dozens of times.
Claim closed — partial payout received
Keep what insurance already paid. Our offer is calculated against the as-is current condition (after the payout). You walk with both: insurance proceeds + our cash.
Claim denied or under-paid
We've bought from sellers whose insurer denied the claim entirely. The deal stands on its own — what the property is worth as-is in cash, regardless of carrier dispute.
Uninsured loss
Hardest scenario — but we still buy. We calculate to a number that reflects the rebuild cost and the realistic market for fire-damaged real estate. Some sellers walk with $30k–$80k+ on a property they otherwise couldn't unload.
Important:we are not your insurance adjuster, claim attorney, or fiduciary. We're a buyer. If your claim is large and complex, we recommend hiring a public adjuster on your side before closing — and we're happy to pause the deal while you do that.
Listing vs cash sale, fire-damage edition
The honest side-by-side.
| What you compare | Listing with an agent | Cash sale (BiggerEquity) |
|---|---|---|
| Repairs required before listing | $40k–$250k+ remediation + permits before showings | $0 — we close as-is |
| Buyer financing approval | FHA/VA won't fund — only cash or hard-money buyers | We use our own funds — zero financing risk |
| Time on market | 120–365+ days (specialty audience) | 7–30 days typical |
| Disclosures required | Full fire history + insurance claim disclosure | We know — we ask for it upfront |
| Inspection contingencies | Almost certain re-trade after inspection | No inspection contingency — firm offer Day 1 |
| Walking-away cost if sale fails | Months of holding + relisting + redoing repairs | 3-day cancel is yours; we never cancel post-window |
A word from us
A fire is a loss, not a transaction.
We've bought houses from people who lost everything in the fire — including the dog. We've bought from people who weren't even in the country when it happened. The part we control is the real-estate piece: a firm number, a fast close, no inspection drama, no last-minute price drops. That's the part we promise to do right. The rest — insurance, family, the next chapter — that's yours. We'll move on your timeline.
Meet the team handling your fileReal sellers, real stories
The homeowners who've passed us the keys.
“Eden was no ordinary man trying to make a living, he is someone who sees the bigger picture, feels the pain of his clients, and makes decisions based on the greater good. Because of Eden we sold our home in a week, and was able to purchase another in a short period of time.”
Jose R. Alvarez
Aging parents · 30-year home · sold in 1 week · Florida
“Eden was no ordinary man trying to make a living, he is someone who sees the bigger picture, feels the pain of his clients, and makes decisions based on the greater good. Because of Eden we sold our home in a week, and was able to purchase another in a short period of time.”
Jose R. Alvarez
Aging parents · 30-year home · sold in 1 week · Florida
Fire-damage-specific questions
Eight things we always get asked.
Will the insurance company let me sell the house mid-claim?
Yes. Insurance pays the named insured (you), not the property. Selling doesn't void or transfer the claim unless you assign it. We can structure either path: you keep the eventual payout, or we take assignment of the open claim and credit you for it on the contract. Your insurance adjuster doesn't need to approve the sale — but we'll loop them in if it speeds up payout coordination.
Do I have to fix or clean anything before you'll buy?
No. Don't paint over soot, don't haul out charred materials, don't pay a remediation company. We've bought houses where the kitchen was still wet from fire-suppression water. The worse the condition, the more we've already accounted for it in our number.
How is the offer different from a normal cash offer?
Same model, different math. We start with after-rebuild value (ARV), subtract the realistic repair budget (which is much higher for fire damage — $60k+ on most jobs we see), subtract our holding + carrying costs, and target our return. The repair line is usually what differs most from a normal cash offer.
Will you knock the price down after inspection?
Never. We don't include an inspection contingency. The number we send Day One is the number on the contract. If we want to look at the structure ourselves before signing, we do that BEFORE we send the offer — not after. Re-trades are an industry plague we won't participate in. Your 3-day cancel right protects you the other way.
What about mortgages or liens still on the house?
Common with fire-damaged properties — the mortgage doesn't disappear when the house burns. We pay off any liens at closing from our funds, you net the difference. If the mortgage balance is higher than the offer (rare but happens), we explore short-sale negotiation with the lender — Massiel has worked with most of the major servicers.
Do I have to be in the state to sell?
No. We close remotely with mobile notary in all 50 states. Many of our fire-damage sellers are out-of-state already — they moved after the loss. We handle every signature, photo, and walk-through from our side.
What if the damage is from arson investigation, not accidental fire?
Same answer — we buy regardless of cause. We'll need a copy of the police/fire-marshal report for the title file (standard for any fire claim), and once that's clean we close like any other deal. If the investigation is still open, we coordinate the title closing with whatever the investigation requires.
Can I keep some of the salvageable contents?
Yes. Take whatever you want — appliances, lighting, hardware, photos, anything not nailed down (and some things that are). The contract handles the real estate; personal property is yours. If you want us to dispose of contents you don't want, we do that for free at closing.
Other distressed-property guides
Selling a house with other damage?
Ready when you are
See what your house is worth in cash.
It takes 90 seconds. No credit check, no agent visit, no commitment. You'll have a real number in your inbox tomorrow.
Free, no-obligation written offer
Close in as few as 7 days
We pay all closing costs
Walk away anytime
Sell Your House As-Is.
Get a Cash Offer From a Real Buyer — Not an Algorithm.
We buy houses nationwide. No repairs. No realtors. No fees. A real person calls back within 7 minutes.
Live · 7-min callback 4.8 · Verified Google reviews
Your address is private. We never share or sell your data.