Columbia, MO › Fire Damage
Sell a Fire-Damaged House in Columbia, MO
You keep the insurance money and don't have to worry about the house anymore — we'll take care of it.
USA Home Buyers buys houses as-is in Columbia and Boone County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. Tell us about the damage and ask for a written cash offer.
Call 888-274-5006We give written cash offers in 24 hours.
Tell us what happened and what access is available at the property.
We'll give you a written cash offer within 24 hours.
What we take on
You do not have to clean, repair, or haul debris before selling to us. We buy the house in its current condition, including fire, smoke, and water damage. You can discuss the damage with us before taking on a restoration project.
You keep your insurance proceeds
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 what happened, what areas officials say are safe to access, whether utilities are available, and what you know about the insurance claim and mortgage. We can discuss the property as it stands; you do not need to finish repairs first.
We provide a written offer and written terms before you commit, and close through a title company. The title company confirms the closing details for the property.
Local safety, repair, and records contacts
After a fire, do not enter the structure until the responsible fire or building officials say it is safe. Follow any utility and insurer instructions. Before cleanup, repair, demolition, or reoccupancy, ask City of Columbia officials what permits or inspections apply to this property and this work.
- City of Columbia official website — start here for current city building-safety and permit contacts.
- City Neighborhood Services — city information on residential property maintenance and nuisance issues.
- Boone County Recorder of Deeds — the county real-estate-records office.
Compare rebuilding with selling as-is
If you are weighing repairs against a sale, compare your insurer's claim instructions, mortgage requirements, contractor estimates, any city permit or inspection steps, time away from the property, and the written sale terms. We buy the house as it stands, so you do not have to complete cleanup or repairs to sell it to us.
When you sell to us, we pay the closing costs. This does not include your mortgage balance, liens, back taxes, or share of current property taxes.
Use the Columbia calculator to compare what you might keep from a listing with a direct-sale estimate. Change the assumptions to reflect the property and costs you are considering.
Just an estimate — the actual number could be more or less depending on the home's condition.
Compare estimated sale proceeds with the Columbia calculator →Testimonials are real, from our transactions, verified and approved by our attorneys. Each seller's location is shown with their review.
What sellers say about USA Home Buyers
Fire-Damaged House Questions
Can I sell a fire-damaged house in Columbia, MO?
Yes. USA Home Buyers buys houses as-is in Columbia and Boone County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You do not have to clean out the house to sell it to us.
Who keeps the insurance proceeds if I sell?
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.
Does selling the house settle my insurance claim or mortgage requirements?
The sale to USA Home Buyers does not decide how your insurer or mortgage servicer handles your claim. Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
Can I enter or start cleanup after a fire?
Do not enter a fire-damaged structure until the responsible fire or building officials say it is safe. Follow instructions from the insurer and utility providers, and ask City of Columbia officials which permits or inspections apply before cleanup, repairs, demolition, or reoccupancy.
What happens after I ask about an offer?
Tell us about the damage, access, utilities, insurance claim, and mortgage requirements. We provide a written offer and written terms before you commit, and close through a title company.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
We'll give you a written cash offer within 24 hours.