Will you buy a fire-damaged house?

Yes, including structural fire damage. We assess what it takes to bring it back and price from there. You do not need to demolish, clean, or make it safe first.

Should I settle my insurance claim first?

Not necessarily. Sometimes it is cleaner to settle first and sometimes it is better handled as part of the sale. Tell us where the claim stands and we will lay out both.

Is mold a dealbreaker?

No. Mold, water damage and the remediation that follows are routine for us and are exactly what stops a mortgage buyer.

Selling a Fire, Water or Storm Damaged House

For major damage a lender will not finance.

A modest home with a storm-damaged roof secured by a tarp

A conventional lender will not fund a house with an active roof leak, fire damage or failed systems, which removes most retail buyers from the pool. That is precisely the condition we buy in. If you have an open insurance claim, tell us - it changes who keeps the proceeds and we will explain the options before you sign anything.

Get your cash offer

No obligation, no fees, no repairs. We respond the same day.

Written offer within 24 hours
Any condition — no repairs, no cleaning
No commissions; we cover standard closing costs
You pick the closing date

Get my cash offer →

Takes about two minutes. Or call (313) 710-6129 — we answer.

Damage that an insurer will not fully cover

Fire, water, storm and structural damage share a pattern: the claim covers part of it, the estimate for the rest is more than the house is worth to you, and meanwhile it is not habitable and you are still carrying it. We buy in that state. You do not need to complete repairs, get competing contractor bids, or settle the claim before selling.

Insurance proceeds are a negotiable part of the deal

If you have already received a payout, or expect one, that is a term we work out in the offer — sometimes you keep it and the price reflects that, sometimes it is assigned with the sale. Either way it should be an explicit line in the conversation, not a surprise at closing. Tell us where the claim stands when you first write.

Vacant and unsecured is a clock

A damaged, empty house tends to get worse: a vacancy exclusion can void coverage, one heating season can burst supply lines, and copper theft is real. The value we can offer generally goes down the longer it sits, which is the honest reason not to wait on this one.

What to have ready

What caused the damage and roughly when
Whether a claim was filed, and its status
Any contractor estimates you have
Whether the property is currently occupied

We are a cash buyer, not attorneys or accountants. Nothing here is legal or tax advice — for a foreclosure, probate or divorce matter, talk to your attorney too.

Questions people ask about this

Will you buy a fire-damaged house?: Yes, including structural fire damage. We assess what it takes to bring it back and price from there. You do not need to demolish, clean, or make it safe first.
Should I settle my insurance claim first?: Not necessarily. Sometimes it is cleaner to settle first and sometimes it is better handled as part of the sale. Tell us where the claim stands and we will lay out both.
Is mold a dealbreaker?: No. Mold, water damage and the remediation that follows are routine for us and are exactly what stops a mortgage buyer.

Who you will be dealing with

Trevor McAmis

Owner & Acquisitions Lead, Restar Acquisitions. (313) 710-6129 · More about us

Every offer on this site is underwritten by a person, not a form. If the numbers do not work for you, say so and I will tell you what would.

The rest of the process is the same either way

The three steps, the cash-offer versus listing comparison, the three-day right to cancel and the four-line math behind the number live on how it works rather than being repeated here. This page is only what changes when major damage a lender will not finance.

Other situations we handle, or your local market — every market page publishes its own sale prices, ZIP breakdown and rent data.