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Fire damage · Texas

We buy fire-damaged houses in Texas

Updated October 20, 2026

Provenial buys fire-damaged Texas houses for cash as they stand, including houses with an open insurance claim.

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Direct acquisition

What happens when you submit

  1. 01

    Provenial buys houses after a fire, from smoke damage to a total loss.

  2. 02

    Provenial buys with private capital.

  3. 03

    You will hear from someone within 24 hours.

  4. 04

    Sellers pay Provenial no fees or commissions.

The claim

How the insurance claim runs after a house fire

Texas insurers have 15 business days to acknowledge a claim, 15 business days after they have everything they asked for to accept or deny it, and 5 business days to pay after accepting it, according to the Texas Department of Insurance claim deadlines.

Insurance money

Insurance checks when there is a mortgage

If you owe money on the house, the insurance check for repairs is made out to both you and your mortgage company. The Texas Department of Insurance says you endorse the check and send it to the mortgage company, which usually releases money as the work gets done.

Under Insurance Code chapter 557, the mortgage company has ten days after receiving the money to list what it needs before releasing it, and ten days after a release request to pay or explain why it will not, or it owes 10% a year interest. Tell us where the claim stands, and the purchase contract will say who keeps insurance money already paid or still owed.

The 50% rule

When repairs reach half the house's value

Federal floodplain rules define substantial damage as damage of any origin where restoring the structure would cost 50% or more of its market value before the damage (44 CFR 59.1). The Texas Water Development Board says those assessments apply no matter the cause, including fire, so a burned house in a mapped floodplain can face the same rebuild limits as a flooded one.

Outside the floodplain, a house the city treats as unsafe can still end up in a substandard-building case. Provenial buys the house as it stands, before or after those decisions.

Disclosure

What you disclose after a fire

The Texas Real Estate Commission's current Seller's Disclosure Notice, form 55-1 effective May 28, 2026, asks sellers about previous fires and previous structural or roof repair. Tell us what burned and what was repaired, and the contract will reflect it.

Unsafe and vacant

When the city calls a burned house unsafe

Fort Worth treats a vacant structure that is not secured against entry as unsafe, with fines up to $2,000 per violation, and Dallas requires the doors and windows of a vacant structure to be secured. See selling a house with code violations and selling a vacant house.

How it works

How selling a fire-damaged house works

Send the address

Send the address, the date of the fire, photos and where the insurance claim stands.

We look at the house and the street

We review the house, the recent sales near it and the work it needs, and someone from Provenial gets back to you within 24 hours.

You get a written cash offer

Provenial is the buyer. The offer comes in writing on a Texas purchase contract, usually the Texas Real Estate Commission's One to Four Family Residential Contract, and you decide whether to sign it.

A title company handles the closing

A Texas title company holds the earnest money, runs the title search, pays off any loan or lien from the sale and records the deed with the county clerk.

What to send

What to send

  • 01

    Address and owner

    Send the address and tell us who owns the house and who signs for the sale.

  • 02

    Condition

    Tell us the year built, square footage and the repairs you know about. Photos of the house and the street help.

  • 03

    Occupancy

    Say whether the house is vacant, owner-occupied or rented, and send the lease if a tenant lives there.

  • 04

    Loans, liens and notices

    Tell us about any loan payoff, city lien, code notice or notice of sale you have received.

  • 05

    Price and timing

    Share your asking price, any offers you already have and when you want to sell.

Frequently asked questions
Can I sell a fire-damaged house in Texas?

Provenial buys fire-damaged Texas houses for cash as they stand, from smoke damage to a total loss.

Can I sell my house before the insurance claim is settled?

Provenial buys houses with open fire claims. The purchase contract says who keeps insurance money already paid or still owed.

Who gets the insurance check when there is a mortgage?

The Texas Department of Insurance says the repair check is made out to you and the mortgage company, and you endorse it and send it to the mortgage company.

Do I have to disclose a previous fire when I sell?

The TREC Seller's Disclosure Notice, form 55-1, asks sellers whether they are aware of previous fires.

What does substantial damage mean?

Under 44 CFR 59.1, substantial damage means restoring the structure would cost 50% or more of its market value before the damage, whatever caused it.

Compare the paths

Rebuild after the fire or sell as it stands?

Rebuild after the fire or sell as it stands?
FactorSell to Provenial as it standsRebuild, then list
repairs and permitsProvenial takes the house as it standsYou manage contractors, permits and inspections
insurance moneyThe contract says who keeps itReleased by the mortgage company as work gets done
carrying costsTaxes, insurance and utilities stop for you at closingYou carry the house through the rebuild
disclosureDisclose the fire on the TREC formDisclose the fire and the repairs on the TREC form
feesSellers pay Provenial no fees or commissionsCommission set in the listing agreement
Texas market facts

Texas market data from primary sources

Property submission

Get a cash offer on a fire-damaged house

Send the address, the condition of the house, who lives there and who signs for the sale.

Submit a property