Sell without cleaning up, repairing, or hauling debris
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You do not need to clean the house, repair fire or smoke damage, or remove damaged materials before selling to us. Tell us what you know about the house and its condition; do not enter an unsafe or restricted structure to gather details.
Insurance proceeds and your mortgage
When we buy the house exactly as it stands, 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. For fire-loss claims where the amount recoverable under all policies is over $5,000, Ohio requires the insurer to get a certificate from the county treasurer. If the certificate and bill list unpaid taxes or local costs certified for removing, repairing, or securing the structure, the insurer sends those amounts from the proceeds to the treasurer. For a loss of at least 60% of the combined policy limits, a city or township may also receive a reserve for this work if it adopted and filed the required procedure. Any money left after eligible costs is returned under Ohio law. Read Ohio Revised Code §3929.86.
What happens next
Tell us about the damage
Share the address, what was damaged, what remains at the house, and any limits on safe access. Only share details you can get without entering an unsafe property.
Read your written offer
We'll give you a written cash offer within 24 hours. You get the written offer and terms before you commit.
Close through a title company
If you choose to proceed, we close through a title company.
Dayton safety and permits
Do not enter a structure that is unsafe or where access is restricted. Follow directions from fire and building officials and utility providers. For a property inside Dayton, the City of Dayton's official site is the starting point for finding the right safety, repair, or permit contact for its address.
Compare rebuilding with selling as-is
If you are weighing repairs against a sale, compare contractor estimates and debris-removal costs with the time and expense of keeping the house while work is underway. Also consider what your insurer and mortgage servicer say about the claim and any mortgage requirements.
Use the Dayton calculator to compare a possible listing net with an as-is cash-sale estimate using your own numbers for value, repairs, payoff, and carrying costs. It is a planning estimate, not a repair quote or a property-specific offer. Just an estimate — the actual number could be more or less depending on the home's condition.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Questions about selling a fire-damaged Dayton house
Can I sell a fire-damaged house in Dayton, Ohio?
Yes. USA Home Buyers buys fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. We buy houses as-is in Dayton and Greene and Montgomery counties, Ohio.
Do I have to clean, repair, or remove debris before selling?
No. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Who keeps the insurance proceeds if I sell?
When we buy the house exactly as it stands, 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. For fire losses where the amount recoverable under all policies is over $5,000, Ohio requires the insurer to get a certificate from the county treasurer. Unpaid taxes or certified costs to remove, repair, or secure the structure may be paid from the proceeds. For losses of at least 60% of the combined policy limits, a city or township may also receive a reserve for this work if it adopted and filed the required procedure.
Can I enter the house or start repairs after a fire?
Do not enter a structure that is unsafe or where access is restricted. Follow directions from fire and building officials, utility providers, and your insurer for the actual property. Ask the officials responsible for the address before starting repairs, debris removal, or demolition.
What happens after I tell you about the fire damage?
We discuss the damage and what you know about the property, then give you a written cash offer and written terms before you commit. If you choose to proceed, closing is through a title company.
Talk with us about the fire-damaged house
Call 888-274-5006 or use the form to tell us about the damage and the property.
We give written cash offers in 24 hours.
Share the address, what was damaged, and any access restrictions you know about.