What we take on
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. The damage can still be there when we talk; tell us what happened and what you know about safe access.
Insurance proceeds and your 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 or access.
- We discuss the house with you and 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 are separate from those closing costs.
Richmond building safety, repairs, and permits
If the house may be unsafe or officials or utility workers have restricted access, stay out and follow their directions. Before repairs or demolition, check with the building office that covers the property about permits and inspections.
Richmond Building Inspections handles plan review, permits, and inspections for construction within City limits. Not sure whether the property is inside Richmond? Call us — we'll sort it out with you.
- City of Richmond Building Inspections →
- City of Richmond Codes Enforcement → for City code notices or property-maintenance questions.
- City of Richmond Planning & Zoning → for address-specific planning or zoning questions.
Compare rebuilding with selling as-is
Rebuilding can mean repairs, cleanup, permits, time, and carrying costs. Compare those with selling as-is, without repairs or debris removal for you to arrange. The Richmond calculator compares sale proceeds using its planning assumptions. Just an estimate — the actual number could be more or less depending on the home's condition.
Compare Richmond sale proceeds with the calculator →Questions and contact
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 Richmond house
Can I sell a fire-damaged house in Richmond, KY?
Yes. USA Home Buyers buys houses as-is in Richmond, Kentucky and Madison County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
What happens to my insurance proceeds and mortgage requirements?
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 cleanup after a fire?
If the house may be unsafe or officials or utility workers have restricted access, stay out and follow their directions. Check with local building officials before repair or demolition work.
What happens after I contact USA Home Buyers?
We talk with you about the damage and access and 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.
How can I compare rebuilding with selling as-is?
Rebuilding can mean repairs, cleanup, permits, time, and carrying costs. Compare those with selling the house as-is, without repairs or debris removal for you to arrange.
You can call now, even if you are still sorting out the damage or claim. Call 888-274-5006 or use the form to ask for a cash offer.
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 damage and access.