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Questions We Get Asked

Grouped by what Boston owners actually ask about: the certificate, the demolition review, the building, the insurer and the paperwork.

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  1. Address
  2. Building
  3. Damage
  4. Contact

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Condition
AnyIncluding total loss
Building Type
AllFrame, masonry, multi-unit
Cost to You
NothingNo fees, no commission

About the Certificate

Do I Really Need a Fire Department Certificate to Sell a Burned House?

Yes. Chapter 148 section 26F requires a smoke alarm Certificate of Compliance on residential property built or modified before 1 January 1975 with one to five units, and section 26F½ requires a carbon monoxide certificate regardless of age or unit count.

My Building Is Newer Than 1975. Am I Exempt?

From the smoke requirement under the statute, potentially. In practice most purchase and sale agreements and many lenders require the certificate anyway, so the exemption is frequently theoretical. The carbon monoxide requirement applies regardless of age.

How Can a Gutted Building Pass an Inspection?

That is exactly the question to put to Boston Fire Prevention early. The requirements assume habitable levels, power and ceilings, so a heavily damaged building is not a routine inspection and the answer depends on what survived.

Can the Buyer Take Care of It?

They can do the legwork if the contract says so, but the obligation runs to the seller. Treat an offer to handle it as helpful rather than as the problem disappearing.

What Do the Requirements Actually Involve?

Alarms on every habitable level including the basement, at the base of each stairway and inside every bedroom; a second alarm where a floor exceeds 1,200 square feet; photoelectric alarms within 20 feet of kitchens and bathrooms; carbon monoxide alarms on each level and within 10 feet of bedrooms. Fees are set by the municipality.

About Demolition

Can I Just Demolish a Burned Building?

Not without Article 85 review if the building is 50 years or older, or sits in Downtown or Harborpark. The application goes through Inspectional Services to the Landmarks Commission.

How Long Does the Review Take?

Staff have 10 calendar days from a complete application to determine significance. A "not significant" letter clears it immediately. A significance finding brings a community meeting, a public hearing and up to 90 days after that hearing closes.

What Is the Hearing Actually About?

Two parts. First whether the building is preferably preserved, which is what invokes the delay. Then a review of alternatives to demolition, at which the Commission may find no feasible alternative and authorise the permit before the delay expires.

Should I Apply Before Selling?

Often worth it. A "not significant" letter is a real asset to hand a buyer and it removes an uncertainty they would otherwise discount for.

About the Building

Is My Triple-Decker Worth Restoring?

It turns on whether fire reached the structural framing rather than how much finish was lost. Wood frame construction leaves no masonry shell, so once the framing and roof structure are compromised there is usually little worth preserving.

The Brick Walls Are Standing but the Inside Is Gone.

On a masonry building that is usually the best outcome available. Get a licensed engineer to confirm the walls are sound rather than merely upright, then make sure every buyer knows.

Why Does the Unit Count Matter So Much?

Because three dwellings on one lot produce a finished value a single house on the same footprint cannot. That is what makes a full rebuild viable on land that would not otherwise support it.

The Fire Damaged the Building Next Door.

Common on tight lots. It generates claims in more than one direction and can affect what either owner may do. Establish it early rather than letting a buyer find it.

My Tenants Were Displaced.

Their position survives the fire and binds whoever owns the building next. Do not assume displacement resolved it; establish it before soliciting offers.

About the Insurance Claim

Can I Sell With an Open Claim?

Yes. Who keeps the proceeds is a negotiated term rather than a legal barrier. Tell any buyer at the outset; one who suggests concealing it from your carrier is telling you something useful.

My Insurer Is Stalling. What Can I Do?

Massachusetts gives policyholders unusually strong leverage. Chapter 176D defines unfair claim settlement practices and chapter 93A provides the remedy, including a written demand process, potential multiplication of damages for wilful conduct, and attorney's fees. Take advice; the drafting matters.

What Should I Be Doing While the Claim Is Open?

Keeping dates. When notice was given, what was sent, what came back, what was offered against what was documented. That record is what any later claim would be built from.

About the Sale and the Paperwork

Do I Have to Complete a Disclosure Form?

Massachusetts does not require one from a private seller. You still may not misrepresent or conceal, and lead paint disclosure applies separately on property built before 1978, which is most of Boston.

What Tax Is There on the Sale?

A deeds excise, customarily the seller's, collected at the Registry of Deeds on recording. It is modest compared with the transfer taxes in Philadelphia, New York City or Washington. Your closing attorney will quote the exact figure.

What Is Registered Land?

Massachusetts maintains two systems: recorded land, which works as in most states, and registered land, a Land Court system where title is certified. Registered parcels follow a different Registry process and can take longer, so establish which yours is early.

The Owner on the Deed Has Died.

The estate has to be able to convey. It is a common cause of delay, and it runs alongside the certificate and Article 85 questions rather than instead of them.

If your question is specific to your property — and the good ones usually are — send the address. The answer often turns on the construction type and the year built, and our service area index sets out what changes between neighbourhoods.

Ask About Your Specific Property

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