STEP 01
Tell us about your home
Share your address and a few quick details. Takes about 30 seconds, no contractor visits, no obligation.
~ 30 SECONDSFIRE-DAMAGED HOUSESSell a fire-damaged
Sell a fire-damaged
Kansas City house — as-is.
After a fire, most sellers don't want to manage a rebuild — they want out. Insurance claims drag for months, contractors quote double what your check covers, and meanwhile you're paying a mortgage on a house you can't live in. We buy fire-damaged houses in any condition across Kansas City and the surrounding metro: minor smoke damage, total losses, anything in between. You don't deal with adjusters, you don't hire contractors, you don't argue about ACV vs replacement cost. We assess the damage during one walkthrough, present a cash offer that accounts for the rebuild scope, and close at a Kansas City title company in as little as 7 days. Whatever insurance proceeds you've received are yours to keep — we're paying for the property in its current condition, full stop. We've bought houses with kitchen fires, electrical fires, total burn-downs requiring a full demo, and detached garages that took the rest of the structure with them.
Get Your Offer
Walk away from
the fire
Submit the address. We assess the damage during one walkthrough and present a cash offer in 24 hours.
No spam · No agents · Cancel anytimeBy continuing you agree to our privacy policy.
Call or text (816) 973-5420
NO COMMISSIONSCASH IN 7 DAYSWE BUY AS-ISPRIVATE SALEYOU CHOOSE CLOSING DATENO REPAIRS NEEDEDZERO FEESLOCAL TO KCNO COMMISSIONSCASH IN 7 DAYSWE BUY AS-ISPRIVATE SALEYOU CHOOSE CLOSING DATENO REPAIRS NEEDEDZERO FEESLOCAL TO KC
How fire damage affects our offer
We assess fire-damaged properties differently than standard distressed sales because the rebuild scope is the dominant cost. During the walkthrough, we look at: structural integrity (is the foundation usable, is the framing salvageable), the extent of smoke damage to remaining materials (drywall, insulation, ducts), water damage from the fire suppression effort (often more expensive than the fire itself), the condition of major systems (HVAC, electrical, plumbing), and the local rebuild market (permitting, labor availability in your specific Kansas City municipality). We then build a renovation budget against current ARV and present a cash offer. You keep all insurance proceeds — those are between you and your insurer, not part of our purchase. The house transfers to us with whatever damage existed at the walkthrough; we take on the rebuild. Most fire-damaged closings happen on a 7-14 day timeline.
What you're dealing with
- Insurance check came in low and you can't fund the repairs
- House is uninhabitable but the mortgage payment isn't pausing
- Don't want to manage contractors during a rebuild
- Smoke damage that didn't show up in the initial assessment
- Lender threatening to force-place insurance or call the loan
How we make it easy
- Buy as-is — even total losses requiring a full teardown
- You keep your insurance proceeds; we pay separately for the property
- We coordinate with your mortgage company on payoff
- No contractors, no permits, no rebuilding decisions
- Closings in as few as 7 days from accepted offer
Three steps.
That's it.
We've stripped the home-selling process down to what actually matters. No listings, no open houses, no waiting for a buyer who might back out.
STEP 02
Get a fair cash offer
We look at comparable properties in your neighborhood, factor in your home's condition, and can present a no-obligation offer within 1 hour of the walkthrough. Take your time deciding.
~ 1 HOUR AFTER WALKTHROUGHSTEP 03
Pick your closing day
Want to close in 7 days? Need 60 to find a new place? You set the timeline. We close at a local title company. Clean and simple.
7 TO 60 DAYSWhy us instead
of using a realtor.
Listing with an agent is a hassle that works for some. For everyone else, distressed homes, financial trouble, foreclosure, inherited properties, life changes… There is an easier route.
Traditional sale
The agent route
- Realtor fees, commission, repairs
- Daily showings and walkthroughs
- Months on the market with no offers
- Financing contingencies and seller concessions
- Flaky buyers
Heartland Acquisitions
The direct route
- $0 commission. $0 fees. We cover closing costs.
- Sell as-is. Leave anything you don't want.
- One walkthrough by us, on your schedule.
- Close in as little as 7 days, or whenever you're ready.
- Cash offer, no surprises.
Questions about
fire-damaged houses sales.
Specific questions sellers ask us when they're sell a fire-damaged Don't see yours? Call or text (816) 973-5420.
Will you buy a total loss / burn-down?
Yes. Total losses are sometimes easier than partial damage because the path is clear: demo and rebuild on the lot. We look at lot value, demo cost, and the local rebuild ARV. If the math works, we make an offer. We've bought several total losses in Jackson and Wyandotte counties.
Do I need to give you my insurance check?
No. The insurance settlement is between you and your carrier — that money is yours. Our cash offer is for the property in its current damaged condition, separate from any insurance proceeds. Many sellers use the insurance check toward their next housing while we close on the damaged home.
What about hidden smoke or water damage?
We assume there's more damage than visible, especially water damage from fire suppression and smoke that's permeated insulation and ducts. We price for a full remediation in the offer. If we find significantly more damage during the contract period, we may renegotiate, but we don't surprise sellers with deductions at closing — anything material we find, we discuss before signing.
Can I sell before the insurance claim closes?
Yes, and many sellers do. The insurance claim becomes between you and your carrier — once the property changes hands, you can still receive the settlement. The mortgage payoff happens at closing the same way it does on any sale. Coordinating a 7-day close lets you stop paying a mortgage on an uninhabitable house while the insurance process drags.
What if my lender is involved (force-placed insurance, etc.)?
We handle it. After a major fire, lenders sometimes force-place insurance, freeze escrow, or threaten loan call. We coordinate directly with the loss-mitigation department to get the payoff statement and close the loan at our title company. Most lenders are happy to receive payoff on a damaged property that's no longer collateral.
We buy in every KC metro city.
Submit your address from any of these areas and we'll have a fair cash offer to you within 24 hours.
Ready when
you are.
Get a no-obligation cash offer for your KC home in under 24 hours. Whether you're ready to move or just curious about the number, we're happy to run it.