What we take on after a fire
Fire damage can leave cleanup, repairs, and debris behind. You do not have to clear the house, finish repairs, or haul debris before selling to us. We take the house as it stands.
Insurance proceeds and your mortgage
Missouri law lets a local dangerous-building ordinance require an insurer to withhold up to 25% of a covered fire-loss payment. This applies only if the payment exceeds half the policy's face value and a local ordinance covers the property. A mortgage lender named on the policy keeps priority. The city or county must return held funds and interest within 30 days of receiving them unless it starts legal proceedings to remove, secure, repair, or clean up the building and lot. If it does, any amount above those necessary costs, less salvage value, goes to the insured. Read RSMo §67.410.
We buy the house exactly as it stands, and you keep your insurance proceeds. If you still have a mortgage, your lender may have a say in how that check is used — we'll walk through it with you.
What happens next
Tell us what happened and what you know about the damage and access. We talk through the house with you.
You get a written offer and written terms before you commit, and we close through a title company. Close as fast as 7 days when title and closing details allow.
No agent commissions when you sell to us. When you sell to us, we pay the closing costs. No fees.
Belton building safety and permit questions
If fire or building officials have restricted entry or said the house is unsafe, stay out. You can tell us what you know about the damage without going inside.
For a home inside Belton city limits, the Community Development Department handles building permits and inspections. Permits may be required for structural, electrical, plumbing, or mechanical changes, including roof replacements, a new electrical panel, a new bathroom, or HVAC work. For addresses outside city limits, the permit office may be different. Not sure? Call us — we'll sort it out with you.
Call Belton City Hall at 816-331-4331 about permits or inspections, or use the City's online eTRAKiT portal.
Compare rebuilding with selling as-is
Compare repair estimates, cleanup and debris costs, and the time and expense of keeping the house with your written sale terms. The Belton home-sale calculator can help compare possible proceeds from a listing and an as-is sale using your own figures.
Compare estimated Belton sale proceeds →Questions and contact
Call 888-274-5006 any time or use the form above. Tell us about the damage and we'll talk it through with you.
Questions about selling a fire-damaged Belton house
Can I sell a fire-damaged house in Belton, MO as-is?
Yes. USA Home Buyers buys houses as-is in Belton and Cass County, Missouri. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps my insurance proceeds if I sell?
Missouri law lets a local dangerous-building ordinance require an insurer to withhold up to 25% of a covered fire-loss payment. This applies only if the payment exceeds half the policy's face value and a local ordinance covers the property. A mortgage lender named on the policy keeps priority. The city or county must return held funds and interest within 30 days of receiving them unless it starts legal proceedings to remove, secure, repair, or clean up the building and lot. If it does, any amount above those necessary costs, less salvage value, goes to the insured. We buy the house exactly as it stands, and you keep your insurance proceeds. If you still have a mortgage, your lender may have a say in how that check is used — we'll walk through it with you.
Do I have to clean up or repair the house before selling?
No. You can sell without cleaning the house, making repairs, or hauling away fire debris. We buy fire-damaged houses exactly as they stand.
Can I enter the house after a fire?
If fire or building officials have restricted entry or said the house is unsafe, stay out. You can tell us what happened without going inside.
Where can I ask about Belton permits and inspections?
For a home inside Belton city limits, the Community Development Department handles building permits and inspections. Permits may be required for structural, electrical, plumbing, or mechanical changes.
What happens after I contact USA Home Buyers?
We talk through the damage and what you know about the house. You get a written offer and written terms before you commit, and we close through a title company. Close as fast as 7 days when title and closing details allow.