What we take on
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You don't have to arrange a cleanout or finish repairs before discussing a sale with us.
Tell us what happened and what you know about the damage, debris, utilities, and access. You can talk with us while the damage is still there.
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 access.
- We review the property information and give you a written cash offer and written terms.
- Read the 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.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate.
You can call before arranging repairs or gathering every document.
Local safety, permit, and records contacts
If the structure may be unsafe or officials have restricted access, do not enter. Follow the directions for the actual property. Before cleanup, debris hauling, or repairs, ask the officials responsible for that address what access and approvals apply.
For a property inside Kokomo city limits, use the City of Kokomo's official website to find the current contact for building-safety and permit questions. If the property is elsewhere in Howard County, contact the local government responsible for that address. Ask whether a permit or inspection applies to the repairs you plan before starting.
The Recorder is the county property-record contact; it does not determine whether a structure is safe or whether repairs need a permit.
Compare rebuilding with selling as-is
Put a written repair scope and contractor estimates beside the information from your insurer, mortgage servicer, expected holding costs, and written sale terms. Use figures for this house rather than guessing at repair costs or an insurance payment.
Use the Kokomo home-sale calculator to compare estimated proceeds with your own assumptions. Just an estimate — the actual number could be more or less depending on the home's condition.
Compare Kokomo sale proceeds with your own numbers →Questions and contact
Call USA Home Buyers at 888-274-5006 to talk through the property, even if you are still sorting out the damage or paperwork. You can also use the form below.
Fire-Damaged House in Kokomo, IN — Common Questions
Can I sell a fire-damaged house in Kokomo, IN?
Yes. USA Home Buyers buys fire-damaged houses in Kokomo, IN and Howard County exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I need to clean up or repair the house before selling to you?
No. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
What happens to my insurance proceeds and mortgage requirements?
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 property or start cleanup after a fire?
If the property may be unsafe or officials have restricted access, do not enter. Follow directions for that address from fire or building officials, the utility provider, and other responsible officials. Before cleanup or repairs, ask what access and approvals apply to the property.
Where can I ask about Kokomo building safety or permits?
For a property inside Kokomo city limits, start with the City of Kokomo official website to find the current contact for that address. For other Howard County properties, contact the local government responsible for the address. Ask whether a permit or inspection applies to the work you plan before starting.
What happens after I contact USA Home Buyers?
Tell us the 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, closing is handled through a title company.
Who pays closing costs on a sale to USA Home Buyers?
When you sell to us, we pay the closing costs. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.
Testimonials are real, from our transactions, verified and approved by our attorneys. The locations shown are in Illinois, not Kokomo.
What sellers say about USA Home Buyers
Here's what sellers have said about working with us.
“I retired from Carle Hospital after thirty-three years as a nurse and decided to move to Arizona to be near my son. My house in Lincolnwood had been good to me but it needed some work I wasn't willing to do. USA Home Buyers made an offer the day after we spoke. I was in Tucson six weeks later.”
“I'd been renting to UIUC students in Old West Urbana for eleven years. Every August it was the same: new tenants, new damage, new headaches. Last summer I decided I was done. USA Home Buyers bought the place tenant-occupied. Closed in twelve days. I'm out of the landlord business.”
“The Champaign County divorce decree required the house to be sold. It's in Savoy, near the university, good area — but we couldn't agree on anything. One offer was already written up for us and both of us just had to sign. Twelve days and it was done. The attorneys took care of the rest.”
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the property and what you want to compare.