What we take on
A fire can leave damage, smoke cleanup, and debris to deal with. You do not have to clean out the house, arrange repairs, or haul debris before asking us to buy it. We buy fire-damaged houses exactly as they stand.
If officials or utility personnel have restricted access, follow their directions. Do not enter a structure that may be unsafe, and check what permits apply before starting repair work.
Your insurance proceeds and 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 what was damaged, what access is safe, and any timing concerns.
- We discuss the property with you and give you a written cash offer within 24 hours.
- You receive written offer terms before you commit. If you choose to proceed, closing is through a title company.
When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Your mortgage, liens, back taxes, and share of current property taxes remain separate.
Covington building safety, repairs, and permits
If the property may be unsafe or officials have restricted entry, stay out and follow directions for the actual address. Before repairs or debris work, ask the relevant local office what access rules, permits, or inspections apply to the work you plan.
The City of Covington permits page routes construction and building-permit questions to Planning and Development Services of Kenton County (PDS). PDS Building Codes Administration describes plan review, building-permit issuance, and field inspections for construction projects. These project routes do not establish a general inspection or certificate requirement for a property transfer.
For property-maintenance, nuisance, or zoning questions, or a City notice, use the City of Covington Code Enforcement page. For construction-project building-code information, see PDS Building Codes Administration.
Compare rebuilding with selling as-is
Put contractor estimates, cleanup and debris costs, any permits officials say apply, and the time and carrying costs of rebuilding beside the written terms for an as-is sale. Ask your insurer and mortgage servicer how their requirements apply to your own claim and loan; do not assume a particular insurance payout.
The calculator can help compare a possible listing price with estimated proceeds after the costs you enter. Use your own assumptions; the result is an estimate, not a property-specific offer or settlement figure.
Compare estimated Covington sale proceeds with the calculator →
Testimonials are real, from our transactions, verified and approved by our attorneys. Any testimonial shown keeps its seller's actual location; it is not presented as a Covington sale unless its location says so.
What sellers say about USA Home Buyers
Questions about selling a fire-damaged Covington house
Can I sell a fire-damaged house in Covington, KY?
Yes. USA Home Buyers buys fire-damaged houses as-is in Covington and Kenton County, Kentucky. We buy the house exactly as it stands — no cleanup, no repairs, no hauling debris.
Do I need to clean up, repair, or haul debris before selling?
No. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps the 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.
Can I enter the house or start repairs after a fire?
Do not enter a structure that may be unsafe. Follow directions from officials or utility personnel responsible for the actual property, and check with the appropriate local office about permit requirements before starting repair work.
Where can I check Covington building and permit requirements?
The City of Covington permits page routes construction and building-permit questions to Planning and Development Services of Kenton County (PDS). PDS describes plan review, building-permit issuance, and field inspections for construction projects. Ask what applies to the actual work and property.
What happens after I ask about an offer?
Tell us about the damage and access. We'll give you a written cash offer within 24 hours. You receive written offer terms before you commit, and closing is through a title company.
Who pays closing costs when I sell to USA Home Buyers?
When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Your mortgage, liens, back taxes, and share of current property taxes remain separate.
Talk with us about the house
Call 888-274-5006 or use the form to describe the damage and request a cash offer.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and what you know about the house.