What we take on
You can ask about selling with fire, smoke, water, or debris damage still there. We buy the house as it stands, so you do not have to arrange cleanup, repairs, or debris hauling before selling to us.
An as-is sale does not make an unsafe house safe or change an official access restriction. Follow the directions for the actual property before entering or starting 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.
Your insurer determines what the policy pays, and your mortgage servicer can explain any requirements tied to your loan or claim. Do not assume a particular payout or that mortgage requirements disappear when the house is sold.
What happens next
- Tell us the address, what was damaged, and whether anyone has restricted access.
- We discuss the house as it stands and give you a written offer with written terms before you commit.
- If you choose to sell to us, closing is through a title company. The property and closing records determine the steps and timing.
We give written cash offers in 24 hours.
Louisville and Jefferson County safety and permit questions
Stay out of a structure that may be unsafe or where officials have restricted entry. Follow instructions from the fire department, utility, insurer, and building official responsible for the actual address. Before cleanup, repairs, or debris removal, ask that local office whether access limits, permits, or inspections apply to the property and planned work.
For a Louisville code or permit notice, use the contact printed on that notice and confirm what applies before work begins. Our Louisville code-violations page covers related seller questions.
For Jefferson County deed and recording-index questions, contact the Jefferson County Clerk's Office — Legal Records Division through its recording and indexing information. That is a county legal-record contact, not a building-permit office.
Compare rebuilding with selling as-is
Compare contractor estimates and the time and expense of rebuilding with the written terms for an as-is sale. Consider safe access, any permit or inspection requirements, temporary housing and carrying costs, your insurer's claim position, and your mortgage servicer's instructions. Do not count on a particular insurance amount until your insurer confirms it.
When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. That does not pay your mortgage, liens, back taxes, or your share of current property taxes; compare those separately.
Use the Louisville net-proceeds calculator with your own assumptions to compare a possible listing price with what you might actually net after costs. The calculator is an estimate, not a property-specific offer or settlement statement.
The transaction testimonials below are shown with their recorded locations; they are not presented as Louisville customer stories or Google quotes. Testimonials are real, from our transactions, verified and approved by our attorneys.
What sellers say about USA Home Buyers
Questions about selling a fire-damaged Louisville house
Can I sell a fire-damaged house in Louisville, KY?
Yes. USA Home Buyers buys fire-damaged houses in Louisville and Jefferson County, Kentucky, exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps the insurance proceeds if I sell the house?
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.
Do I have to clean up or repair the house first?
No. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Can I enter the house or start cleanup after a fire?
Do not enter if the structure may be unsafe or officials have restricted access. Follow the fire department, utility, insurer, and building official directions for the actual property. Before cleanup or repairs, ask the responsible local office whether access restrictions, permits, or inspections apply to that address and work.
What happens after I tell you about the damage?
We discuss the damage and the property facts, then give you a written offer and written terms before you commit. Closing is through a title company. The property records and closing file determine what can be completed and when.
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.
Takes 2 minutes. No obligation.