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How to Sell a House After Fire Damage in Arizona

CASHHOMEBUYER Team

Selling a Fire-Damaged House in Arizona

A house fire is devastating. When you're ready to move on, here's how to sell your fire-damaged property.

Immediate Steps After a Fire

Safety First

  • Don't enter until cleared by fire department
  • Watch for structural damage
  • Beware of smoke and water damage

    • Document Everything

  • Take photos and videos
  • Keep all fire department reports
  • Document all damaged items
  • Save receipts for temporary housing

    • Contact Insurance

  • File claim immediately
  • Get adjuster scheduled
  • Understand your coverage
  • Get repair estimates

    • Understanding Fire Damage Levels

    Minor Damage

  • Smoke and soot only
  • Cosmetic repairs needed
  • Easier to sell traditionally

    • Moderate Damage

  • One room or area destroyed
  • Structural integrity intact
  • Can renovate and sell

    • Major Damage

  • Multiple rooms destroyed
  • Structural damage
  • May be total loss

    • Insurance Claim Options

    Option 1: Rebuild

  • Use insurance payout to rebuild
  • Can take 6-18 months
  • May not get full value back

    • Option 2: Cash Out

  • Take insurance settlement
  • Sell property as-is
  • Move on faster

    • Option 3: Partial Rebuild

  • Make property habitable
  • Sell at reduced price
  • Buyer completes renovations

    • Challenges Selling Fire-Damaged Homes

    Traditional Buyers

  • Scared of unknown damage
  • Can't get financing (most lenders won't finance)
  • Want steep discounts

    • Appraisal Issues

  • Hard to value damaged property
  • Comps don't exist
  • Lenders hesitant

    • Disclosure Requirements

  • Must disclose fire history
  • Buyers wary of hidden damage
  • Stigma affects value

    • Why Cash Buyers Make Sense

    For fire-damaged homes, cash buyers offer:

  • No financing issues - We don't need bank approval
  • Experience with damage - We assess accurately
  • Fast closing - Close before insurance settlement
  • As-is purchase - No cleanup required
  • Fair offers - Based on actual repair costs

    • Selling Before or After Insurance Settlement?

    Selling Before Settlement

  • We can work with pending claims
  • Close faster
  • Assignment of benefits may be possible

    • Selling After Settlement

  • You keep insurance money
  • We buy property as-is
  • May net more total

    • We can discuss which approach works best for your situation.

    Common Questions

    Do I have to disclose the fire? Yes. Arizona requires disclosure of material facts including fires.

    Will my house sell for anything? Yes. The land has value. Partial structures have value. We make fair offers.

    What about smoke damage? We buy homes with smoke damage. It's often worse than people realize but we know how to assess it.

    Get Your Cash Offer

    Ready to move past the fire? Get a fair cash offer on your property and close when you're ready.

    Ready to Sell Your House Fast?

    Get a fair cash offer with no obligation. We buy houses in any condition.

    Request Your Cash Offer

    Get a no-obligation offer for your Arizona property

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