What we take on
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
You can talk with us while the damage and debris are still there. Tell us what happened and what access is allowed; you do not have to arrange cleanup or finish repairs before discussing a sale.
Insurance proceeds and your mortgage
We buy the house exactly as it stands, and you keep your insurance proceeds. Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
What happens next
- Tell us the address, what happened, and what you know about the damage and safe access.
- We give you a written cash offer within 24 hours. You get written offer terms before you commit.
- If you choose to proceed, a title company handles the closing.
When you sell to us, we pay the closing costs, including the West Virginia real estate transfer excise tax and the additional county excise tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
You can call before gathering paperwork or arranging repairs. Call 888-274-5006 or use the form above.
Local safety and seller-record help
If the structure may be unsafe or officials have restricted access, stay out and follow directions for that property from fire and building officials, utility providers, and your insurer. Before cleaning, hauling debris, repairing, or demolishing, ask the officials responsible for the address whether access limits, permits, or inspections apply. Keep fire reports, written access instructions, notices, and repair estimates together for the people reviewing the property.
The Kanawha County Clerk is the official county office for Kanawha County seller inquiries. For a county office question, use the clerk's current information; safety and permit questions belong with the officials responsible for the property.
Compare rebuilding with selling as-is
Put contractor estimates, cleanup and hauling costs, permit or inspection requirements, and ongoing mortgage, utility, insurance, and maintenance bills beside the insurer's information and the written sale terms. Compare what you may keep after costs, not a guessed repair total or insurance payment.
Use your own planning figures in the Charleston home-sale calculator to compare possible net proceeds. Just an estimate — the actual number could be more or less depending on the home's condition.
Compare Charleston sale proceeds with your own numbers →Questions and contact
You can call now, even if you are still sorting out damage or insurance paperwork. Call 888-274-5006 or send the property details through the form.
Fire-Damaged House in Charleston, WV — Common Questions
Can I sell a fire-damaged house in Charleston or Kanawha County?
Yes. USA Home Buyers buys houses as-is in Charleston, WV and Kanawha County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I keep my insurance proceeds, and what about my mortgage?
We buy the house exactly as it stands, and you keep your insurance proceeds. Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
Do I have to clean or repair the house before selling to you?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Can I enter the house or start cleanup after a fire?
If the structure may be unsafe or officials have restricted access, stay out and follow directions for that property from fire and building officials, utility providers, and your insurer. Before cleanup, repairs, or demolition, ask the officials responsible for the address what access limits, permits, or inspections apply.
What happens after I contact USA Home Buyers?
Tell us the Charleston address, what happened, and what you know about the damage and access. We give you a written cash offer and written terms before you commit; if you choose to proceed, a title company handles the closing.
Who pays closing costs when I sell to USA Home Buyers?
When you sell to us, we pay the closing costs, including the West Virginia real estate transfer excise tax and the additional county excise tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
How can I compare rebuilding with selling as-is?
Compare written repair estimates, cleanup and hauling costs, permits or inspections that apply to the property, ongoing bills, insurance information, mortgage details, and written sale terms. Use actual figures for this house rather than guessing at a repair cost or insurance payment.
Testimonials are real, from our transactions, verified and approved by our attorneys. Each seller's actual location appears with their review; these are not presented as Charleston transactions.
What sellers say about USA Home Buyers
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us what happened and what you know about the property's condition and access.