What we take on
A fire can leave damage, cleanup, and debris. 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 the building may be unsafe or officials have restricted access, stay out and follow their directions. You can tell us what you know without entering the house.
Your insurance proceeds and mortgage
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 discuss the house with you and give you a written cash offer within 24 hours.
- You get written terms before you decide. If you choose to sell, closing goes 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.
Henderson building safety, repairs, and permits
Henderson City and Henderson County have separate building and code offices.
If a fire has left a building unsafe, stay out and follow any access restrictions from officials. Kentucky law allows local governments, after required notice, to secure or demolish a nuisance; recorded abatement costs can become a property lien. An existing order or lien does not disappear just because the house is sold.
For City building, property-maintenance, or zoning questions, contact the City of Henderson Office of Code Enforcement at 270-831-1277 (100 Fifth Street, Henderson, KY 42420). For City construction-permit questions, use the City Building Codes and Permits page.
Henderson County has a separate Codes Department and building-development contact at 270-827-6030.
Compare rebuilding with selling as-is
Compare cleanup and debris costs, contractor estimates, and the time and carrying costs of rebuilding with the written terms for an as-is sale.
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 Henderson sale proceeds with the calculator →
What our sellers say
“My renters skipped out in the middle of my rental property needed 20k in work sold it to these guys instead good people”
“bought a fixer upper in akron and ran out of money place was torn down to the studs they took it off my hands and saved my credit highly recommend”
“Got ripped off by a roofer... didn't have the money to finish the job... they bought it with a tarp on the roof and didn't blink...”
Questions about selling a fire-damaged Henderson house
Can I sell a fire-damaged house in Henderson, KY?
Yes. USA Home Buyers buys fire-damaged houses as-is in Henderson and Henderson County, Kentucky. We buy each house exactly as it stands — no cleanup, no repairs, no hauling debris.
Do I need to clean, repair, or haul debris before selling to you?
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. 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.
Can I enter the house or start repairs after a fire?
If the structure may be unsafe or officials have restricted access, stay out and follow their directions. You can ask us about an as-is sale without entering or starting repairs.
Where can I check Henderson building and permit requirements?
See the local contacts below for City code and permit information and Henderson County building-code contacts.
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 give written cash offers in 24 hours.
Share the address and what you know about the house.