Sell Your Fire-Damaged New Braunfels Home — Any Condition, Cash Offer.
Kitchen fire, electrical fire, garage fire, or total loss — we buy fire-damaged homes across New Braunfels, Canyon Lake, and Comal County for cash. Insurance and mortgage coordination included.
The Situation
What You're Facing
A house fire is one of the most disruptive events a homeowner can face. Beyond the immediate loss of belongings and the trauma of the incident itself, you're now dealing with insurance adjusters, the mortgage servicer, contractors, temporary housing costs, and a home that may or may not be structurally salvageable. Deciding whether to rebuild in place, take the insurance check and move on, or sell the damaged property as-is is rarely simple.
For many New Braunfels homeowners, the math on rebuilding doesn't work. Insurance settlements often fall short of full rebuild costs — especially with recent inflation in construction materials and Central Texas labor. The mortgage servicer typically requires all insurance proceeds to be applied to repairs or paid down against the loan, which limits your ability to just cash out and walk away. And even when you can rebuild, the process takes 6–12 months during which you're paying two housing costs.
Selling the fire-damaged property for cash is often the cleanest option. We buy properties with fire, smoke, or water damage in any condition — including total losses where only the slab and foundation remain. We coordinate directly with your insurance adjuster and mortgage servicer to settle the claim proceeds appropriately, buy the property as-is, and close in 7–14 days. If the fire also triggered foreclosure risk because you've been unable to pay the mortgage on top of temporary housing, we can move faster.
This works whether the fire happened last week or five years ago. Some Comal County properties have sat partially rebuilt or completely abandoned since a fire — we buy those too.
Why People Sell
Why New Braunfels Homeowners Choose to Sell
Insurance Won't Cover Full Rebuild
Coverage limits, deductibles, and depreciation often leave a significant gap between settlement and actual rebuild cost. Selling as-is closes that gap.
Rebuild Timeline Is Too Long
6–12 months of temporary housing plus mortgage payments plus permits plus contractors. Selling ends the process now.
Emotional Weight of Rebuilding
Many homeowners simply don't want to walk back into the same house after a traumatic fire. That's a valid reason to sell.
Contractor Coordination Fatigue
Managing a rebuild from a distance or while working full-time is genuinely difficult. Selling delegates all of that.
Mortgage Payments Continue During Rebuild
The servicer doesn't pause payments because the home burned. Selling stops the payment cycle.
Older Home Where Rebuild Isn't Worth It
A fire in a 1970s Mission Hills or Oak Run home may reveal it's more economical to demolish and start over — often more feasible for us than for you.
The Hard Parts
Challenges Homeowners Run Into
Open Insurance Claim
We can buy with an open claim in place. Proceeds are typically assigned or split at closing per the servicer's requirements.
Mortgage Servicer Controls Proceeds
Insurance checks are typically made co-payable to you and the servicer. We coordinate at closing to satisfy the servicer and complete the sale.
Structural Assessment Needed
Fire damage may compromise structural integrity. We do our own assessment — no engineering report required from you.
Smoke & Water Damage Everywhere
Even a small fire spreads smoke throughout the home and water damage from fire suppression. We buy the entire home as-is.
Code Compliance for Rebuild
Current City of New Braunfels or Comal County code may not allow the same footprint to be rebuilt. Not your problem after closing.
Temporary Housing & Living Expenses
You're paying rent plus the mortgage. A fast close stops one of those expenses.
Our Solution
How South Texas Home Investors Helps
South Texas Home Investors buys fire-damaged properties across New Braunfels and Comal County regularly. We understand the insurance claim assignment process, the mortgage servicer coordination required when payoff and insurance proceeds are both in play, and the structural realities of fire damage in Texas housing stock. Our offers reflect the actual salvage value plus land value — not a lowball based on 'as-if-perfect' comps minus scary numbers.
We buy in any state: fresh fire with an open insurance claim, partially rebuilt properties abandoned mid-project, and fully burned lots with only foundation remaining. We coordinate with your adjuster and servicer, settle everything at closing, and can move in as few as 7 business days when there's foreclosure pressure stacked on top. If the property is also caught in probate or divorce, we structure the sale to handle both.
- We buy with an open insurance claim in place
- Direct coordination with your mortgage servicer
- Cash offer based on real Comal County land + salvage value
- As-is purchase including structural damage or total loss
- All standard closing costs paid by us
- 7-day close available when foreclosure or living expenses require it
The Process
Our Simple 3-Step Process
Tell Us About the Damage
When the fire happened, what caused it, and where the insurance claim stands. Photos help but aren't required.
Written Offer in 24 Hours
We inspect quickly (or use your existing adjuster's report), pull land comps, and put a cash number in writing.
Close in 7–14 Days
Servicer paid, insurance settlement resolved, deed recorded. You walk away with cash.
As-Is Advantage
Benefits of Selling As-Is
Local Knowledge · New Braunfels & Surrounding Areas
We Know the Neighborhoods You Live In
Fire damage happens across every neighborhood in New Braunfels and Comal County. We buy properties in any state — fresh damage with active insurance claims, abandoned rebuilds, or foundations that have sat exposed to the elements for years.
Areas We Buy Fire-Damaged Homes In
We buy fire-damaged properties across New Braunfels (downtown, Landa Park, Mission Hills, Oak Run, Gruene, Vintage Oaks, Havenwood, River Chase), Canyon Lake (Startzville, Sattler, Canyon Lake Hills), Bulverde, Garden Ridge, Cibolo, Schertz, and Seguin.
County Coverage
Comal County and Guadalupe County both have active markets for fire-damaged rebuilds. We work title in either county depending on where the property sits.
Local Property Values
Fire-damaged New Braunfels properties are valued based on land plus salvage, not comparable sales for intact homes. Typical lot values run $80k–$250k+ depending on location, with any salvageable improvements adjusting up.
Military Homeowners
Military households facing PCS orders sometimes need to close a damaged property fast. We accommodate short military timelines.
Inherited & Older Homes
Older housing stock in Mission Hills, Oak Run, and downtown New Braunfels sometimes suffers electrical fires from original 1970s wiring. We buy the property regardless of what caused the fire.
Local Market Conditions
Fire-damaged homes essentially cannot be listed on the MLS with conventional financing. A cash sale to us is typically the only realistic exit — and we compete on price against other cash investors, not against retail comps.
Service Area
Service area: New Braunfels, Gruene, Canyon Lake, Startzville, Sattler, Spring Branch, Bulverde, Garden Ridge, Cibolo, Schertz, Seguin, Marion, and McQueeney.
“Kitchen fire spread to the attic. Insurance was going to cover about 70% of rebuild. We didn't want to move back into that house. South Texas Home Investors bought it with the claim in place, coordinated with the servicer, and closed in 12 days. Best decision.”
— A.H., Walnut Springs, New Braunfels
Related Resources
Helpful Reading From Our Team
Fire-Damaged Homes — Texas Statewide
The pillar guide — how Texas homeowners sell fire-damaged property regardless of city.
Read moreFire + Foreclosure Together
Servicer moving toward foreclosure while you sort out the fire? We close fast.
Read moreVacant Fire-Damaged Home
Property that's been sitting abandoned since the fire — we still buy.
Read moreProbate Property Damaged by Fire
Estate homes with fire damage — coordinated with your Comal County probate attorney.
Read moreWe Buy Houses New Braunfels
City hub — every Comal County situation we handle.
Read moreCommon Questions
Frequently Asked Questions
Sell Your Fire-Damaged New Braunfels Home — As-Is, Cash, Fast
We buy with open insurance claims and coordinate with your servicer. Get a written cash offer today.