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 the structure may be unsafe or officials have restricted entry, stay out and follow their directions for the property. You can tell us about the damage and access limits without starting cleanup or repairs first.
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
- We talk through the damage and any access limits with you.
- We give you a written cash offer within 24 hours.
- You get a written offer and written terms before you commit, and we close 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.
Madisonville building safety, repairs, and permits
For a house inside Madisonville city limits, the City's development process covers construction permits, inspections, and closeout. Read the Madisonville Zoning and Engineering information or call City Hall at 270-824-2100.
For land-use planning, call the Hopkins County Joint Planning Commission at 270-825-4457. Madisonville and Hopkins County are both members. Not sure which office covers the house? Call us — we'll sort it out with you.
Compare rebuilding with selling as-is
Compare the written terms for an as-is sale with the cost of repairs, cleanup and debris removal, plus the time and carrying costs of rebuilding.
Use the calculator to compare possible sale proceeds with the costs and assumptions you enter. It is an estimate, not a property-specific offer or insurance payout.
Compare estimated Madisonville sale proceeds with the calculator →
What our sellers say
Questions about selling a fire-damaged Madisonville house
Can I sell a fire-damaged house in Madisonville or Hopkins County?
Yes. USA Home Buyers buys fire-damaged houses as-is in Madisonville and Hopkins County, Kentucky. We buy them 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.
What happens after I ask about selling?
We'll talk through the damage and any access limits with you, then give you a written cash offer within 24 hours. You get a written offer and written terms before you commit, and we close through a title company.
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 for the property.
How can I compare rebuilding with selling as-is?
Compare the written terms for an as-is sale with what rebuilding may cost in repairs, cleanup and debris removal, plus the time the work could take.
Talk with us about the house
Call 888-274-5006 or use the form to talk with us about 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.