What we take on after a fire
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You can sell without arranging a cleanout, restoration, or debris removal first.
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.
Missouri law lets a city require an insurer to hold up to 25% of some fire-loss payments, but only when the payment is more than half the policy's face value and a local ordinance applies. A mortgage lender named on the policy stays first in line. If local officials follow the required steps, held funds may pay eligible costs to secure, repair, remove, or clean up the building, and any extra goes back to you.
Missouri law on dangerous-building notices and fire-loss proceedsWhat happens next
Tell us what happened and what you know about the damage and access. We talk through the house 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. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
Webster Groves safety, inspections, and permits
If fire or building officials have told you the house is unsafe or restricted access, stay out and follow their directions. Webster Groves inspects buildings when a property is sold or occupancy changes; a passed inspection is required before applying for a residential occupancy permit. Ask the City's Housing Inspections & Property Maintenance office which inspection or permit steps apply to the work at your house. We can talk through any City notice while you consider selling as-is.
Compare rebuilding with selling as-is
Compare repair, cleanup, and debris costs with your written sale terms. You can also consider how long the work may take and what it may cost to keep the house during repairs.
Compare Webster Groves sale proceeds with your own numbers →Questions and contact
Call now, even if you are still sorting out the damage. Call USA Home Buyers at 888-274-5006 or use the form to talk about the property.
Questions about selling a fire-damaged house
Can I sell a fire-damaged house in Webster Groves as-is?
Yes. USA Home Buyers buys fire-damaged houses in Webster Groves and St. Louis County exactly as they stand — no cleanup, no repairs, no hauling debris.
What happens to my insurance proceeds if I sell?
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. Missouri law also lets a city require an insurer to hold up to 25% of some fire-loss payments when the payment is more than half the policy's face value and a local ordinance applies. A mortgage lender named on the policy stays first in line. If local officials follow the required steps, held funds may pay eligible costs to secure, repair, remove, or clean up the building, and any extra goes back to you.
Can I enter or start cleaning up after a fire?
If fire or building officials have told you to stay out or restricted access, follow their directions. We can discuss buying the house as it stands without cleanup or repairs.
Does Webster Groves require an inspection when a house sells?
Webster Groves inspects buildings when a property is sold or occupancy changes. A passed inspection is required before applying for a residential occupancy permit. Contact the City about the inspection and permit steps for your house.
How quickly can we close?
Close as fast as 7 days when title and closing details allow.
What happens after I contact USA Home Buyers?
We talk through the damage and the house as it stands. You get a written offer and written terms before you commit, and we close through a title company.
What our sellers say
We give written cash offers in 24 hours.
Tell us the address and what you know about the damage and access.