Fire-Damaged House in San Antonio? Skip the Repairs — Sell As-Is for Cash.
We buy fire, smoke, and water-damaged houses across Bexar County in any condition. No contractor bids, no insurance arguments, no waiting six months for adjusters.
The Situation
What You're Facing
A house fire in San Antonio leaves you with three terrible options: rebuild over the next 9–18 months while paying a mortgage on a home you can't live in, fight your insurance carrier over scope and replacement cost, or list a half-burned house on the MLS that no retail buyer will touch.
Most San Antonio fire losses we buy involve kitchen grease fires, electrical fires in older 1950s–70s homes near Loop 410, garage fires, or full structural losses. The remediation cost from a SAFD-certified restoration company often runs $80k–$250k before you even start rebuilding — and your insurance check usually covers less than the bids.
We pay cash, take it off your insurance carrier's hands (or buy after the claim closes — your call), and absorb the entire rebuild risk. If the home is also vacant while you wait on adjusters, every month of vacancy raises your premium and your stress.
Why People Sell
Why San Antonio Homeowners Choose to Sell
Insurance Won't Cover Full Rebuild
Your dwelling-coverage limit is short of what San Antonio contractors actually charge in 2026.
Tired of Living in a Hotel/AirBnB
ALE coverage runs out and you're stuck paying out of pocket.
The Rebuild Will Take 12+ Months
Bexar County permitting, contractor schedules, and supply delays make 'just rebuild' painful.
You Don't Want to Live There Again
Trauma is real — many owners don't want to walk back into the house even after repairs.
Mortgage Is Still Due
Carrier holds the insurance check while you pay PITI on a charred home.
Total Loss / Land Value Only
Some fire losses make the structure worth less than the lot — we buy the lot.
The Hard Parts
Challenges Homeowners Run Into
Lenders Won't Finance Fire Homes
Retail buyers can't get FHA, VA, or conventional loans on a damaged structure. Cash only.
Mortgage Co-Endorsed Claim Check
Your lender controls how insurance money is released. We work with the lender directly.
Smoke Damage Is Everywhere
Even rooms that didn't burn need full HVAC, drywall, and content cleaning. Most owners underestimate this.
Asbestos & Lead in Older Homes
1970s and earlier San Antonio homes often need licensed abatement after a fire.
Insurance Coverage Gaps
Code-upgrade coverage, ordinance and law, debris removal — most policies are short.
Permitting Delays
Bexar County and the City of San Antonio rebuild permits can take months.
Our Solution
How South Texas Home Investors Helps
South Texas Home Investors buys fire-damaged houses across San Antonio, Schertz, and surrounding Bexar and Guadalupe County zip codes. We've bought everything from minor kitchen-fire smoke damage to total structural losses where only the slab and chimney remained.
We make the offer based on land value plus salvageable structure, close at a local title company, and the title officer coordinates with your mortgage company and insurance carrier so any remaining claim proceeds are handled cleanly. If the property is also racking up back property taxes, we resolve those at closing too.
- We buy total-loss and partial fire damage
- We work directly with your mortgage company
- We coordinate with your insurance carrier or adjuster
- No contractor bids needed
- No SAFD or code-compliance hurdles for you
- Close in 7 days — even with an open claim
The Process
Our Simple 3-Step Process
Tell Us What Happened
Address, when the fire occurred, claim status. Photos help but aren't required.
Written Cash Offer in 24 Hours
Land value + salvageable structure, real comps in your subdivision.
Close at a Local Title Company
Title pays off the mortgage, handles insurance proceeds per your policy, hands you the rest.
As-Is Advantage
Benefits of Selling As-Is
Local Knowledge · San Antonio & Surrounding Areas
We Know the Neighborhoods You Live In
We buy fire-damaged property across the entire San Antonio metro — from older inside-1604 neighborhoods where electrical fires are common, to newer Schertz and Cibolo subdivisions where kitchen and garage fires happen.
Recent Fire-Damage Closings
Recent fire-damage closings: Beacon Hill, Mahncke Park, Government Hill, Schertz Crossvine, Cibolo, Converse, Universal City, and older Stone Oak homes.
County Coverage
Bexar, Guadalupe, Comal, and Wilson counties. We coordinate with SAFD investigators when needed and have working relationships with local restoration companies.
Local Property Values
Pre-fire values from $160k to $700k+. Our offers reflect land value, salvageable structure, and realistic rebuild cost at current Bexar County contractor pricing.
Military Homeowners
Active-duty homeowners around Randolph, Lackland, and Fort Sam often can't manage a long rebuild while deployed or PCSing. We close fast on military timelines.
Inherited & Older Homes
Older homes (1950s–80s) often have aluminum wiring, original gas lines, and asbestos popcorn ceilings — all of which complicate post-fire remediation. We buy as-is regardless.
Local Market Conditions
Fire-damaged homes on the MLS sit 120+ days on average and almost always fall out of contract. Cash sale skips all of it.
Service Area
Full metro: 1604 inside and out, Stone Oak, Alamo Heights, Schertz, Cibolo, Selma, Converse, Universal City, Live Oak, New Braunfels, Boerne, and Helotes.
“Kitchen fire totaled our Schertz house. Insurance offered $90k less than the rebuild bid and the adjuster wanted to argue for months. South Texas Home Investors made a cash offer, closed in 11 days, and we moved on.”
— Adrian P., Schertz Crossvine
Related Resources
Helpful Reading From Our Team
All Situations We Buy
Fire, flood, hoarder, probate, foreclosure — see the full list of homes we close on.
Read moreVacant San Antonio Home
Fire losses sit vacant for months. Stop the carrying costs while you decide.
Read moreBehind on Mortgage After a Fire
If insurance dragged on and the mortgage went late, stop the foreclosure first.
Read moreCommon Questions
Frequently Asked Questions
Skip the Rebuild. Get a Cash Offer Today.
We buy fire-damaged San Antonio homes in any condition. Close in 7 days with no contractor headaches.