What we take on after a fire
The damage and debris can stay with the house. You don't have to arrange cleanup, finish repairs, or haul anything away before selling to us.
Insurance money and your mortgage
A local ordinance under Missouri law can allow a government to hold up to 25% of certain fire-loss payments when the covered payment exceeds half the policy's face value. A named mortgage lender keeps priority. The government must release held money and interest within 30 days unless it starts legal proceedings for property work. In that case, eligible costs to secure, repair, remove, or clean up the building and lot can come out first; any excess goes back to you after salvage value.
Missouri law on fire-loss insurance payments (RSMo §67.410) →
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 house. We'll talk through the damage and timing with you. You get a written offer and written terms before you commit, and we close through a title company.
Close as fast as 7 days when title and closing details allow.
When you sell to us, we pay the closing costs. No agent commissions when you sell to us. No fees.
Safety and permit questions
If fire or building officials have told you to stay out or restricted access, stay out and follow their directions. For permits or repairs, the right local office depends on the property address. St. Louis County's Geospatial Data Center offers local maps and geographic data; share the address with us and we'll help you find the right office.
St. Louis County Geospatial Data Center →Compare rebuilding with selling as-is
Compare your written sale terms with cleanup, repairs, debris removal, rebuilding costs, and the time and expense of keeping the house while work is underway.
Compare estimated Oakville sale proceeds →Questions and contact
Call 888-274-5006 or use the form above to talk about the damage.
Questions about selling a fire-damaged house in Oakville
Can I sell a fire-damaged house in Oakville as-is?
Yes. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I need to clean up, repair, or haul debris before selling?
No. You can sell without cleaning up, making repairs, or hauling debris first.
What happens to my insurance proceeds if I still have a 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 after a fire?
If fire or building officials have told you to stay out or restricted access, stay out and follow their directions. You can talk with us about selling the house as it stands.
What happens after I contact USA Home Buyers?
We talk through the damage and timing. You get a written offer and written terms before you commit, and we close through a title company. Close as fast as 7 days when title and closing details allow.