How to Sell a House with Fire Damages in Kentucky

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Many homeowners have no choice other than to sell a fire-damaged house in Kentucky. According to statistics from the National Fire Protection Association, more than 258,000 home fires occurred in the United States resulting in approximately $6.7 billion in damages. Trying to sell a house with fire damaged can be difficult, but it is often the best option.

A house fire is an extremely traumatic experience. Although the most important concern is the safety of you and your family, the blaze can result in significant losses. The combination of tangible damage and the loss of memories and priceless keepsakes can be devastating. If you decide to sell your home, there are specific steps you need to take.

Filing an Insurance Claim and Restoration

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The first step is filing a claim with your homeowner’s insurance company for your fire-damaged property. Make certain you understand your benefits and options prior to proceeding. If necessary, ask your agent for food assistance and temporary lodging. According to, hiring a restoration company is critical. The water required to put out the blaze can cause significant damage to your home. Water damage must be taken care of by professionals as quickly as possible.

Do not reenter your home until you are told it is safe by a professional. Although you may not be able to see some of the damage, if you enter too soon, you are risking potentially serious injury. If you are uncertain which restoration company to call, talk to your insurance agent for a recommendation. To mitigate the damage caused by water, you need to have a restoration company on-site as quickly as possible. If the water is allowed to sit, you are risking the growth of mold and will require mold remediation as well.

First Steps to Sell a House in Kentucky with Fire Damage

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  1. Receive permission from an official from the fire department before re-entering your home
  2. Call your utility providers to tell them there was a fire and request immediate emergency shutoff services
  3. Call your homeowner’s insurance company to speak with an agent and start the claims process
  4. Assess your damages by hiring a professional restoration company, ask for an estimate and begin the process of cleaning up your home
  5. Take detailed notes and photographs of all damage to your home and property for documentation
  6. For insurance purposes, get a copy of your official report concerning the fire from either the fire investigator or the fire marshal’s office
  7. Help vent smoke from your home by opening all of the windows provided it is safe to do so
  8. Once your power is shut off, take everything out of your freezer and refrigerator
  9. As soon as you have completed the steps above and have a good idea as to how much damage has been done and the estimated costs for repair, you need to decide if keeping your home is worth the aggravation or if you would rather sell your house with fire damage in Kentucky. Sometimes moving on is the better choice because you can leave the fear and bad memories behind

Selling a Fire Damaged House

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Once you decide to sell, you have two choices: repair your home or sell your home as-is. The simplest solution is the latter since you do not have to hire contractors or attempt to live in your home while repairs are being made. If you decide to repair your home, you need to know how much of the repairs your insurance company will cover. If you are unable to afford the cost, find a reputable company to buy your house.

Once you decide to sell my house and have contacted a potential buyer, a representative will come to your home. When selling a house with fire damages in KY, keep in mind you will receive money from your insurance company in addition to the cash offer from the buyer. This will help you to purchase another home without all of the hassles associated with repairing the damage. You can take advantage of a fast close to move on with your life.

When To Sell Your Fire Damaged Property As-Is

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If the fire did not damage your entire home, hiring a contractor may be your best choice. This is especially true if your bathrooms and kitchen were not affected. If your entire home was damaged and your insurance company only covers a small portion of the total cost, you may have no choice other than to sell a house with fire damaged as is.

For homeowners that have fire insurance, you can sell your home as-is at a discounted price. Once you receive money from your insurance company, you should have about full market value for your property. A good option to sell a Kentucky house with fire damaged is Do not attempt to conceal the damage regardless of when the fire occurred. Make certain you have copies of everything such as insurance claims, repairs, and police reports.

State Property Disclosure Statements

Every state requires a property disclosure statement for selling a fire-damaged house. You must also include what you have done to repair your fire-damaged property. Do not misrepresent, hide or try to cover up fire damage.

Selling to a Company Purchasing Fire Damaged Houses

Your best option is to sell a house with fire damage to a professional company that buys houses with the ability to rehabilitate the home. Although not all of these companies are reputable, many of them are. Conduct some research on the company including:

Once you decide selling your fire-damaged house in Kentucky is the best option, you will have peace of mind. You will not need to spend time finding contractors, getting estimates, or living in your home while repairs are taking place. You can put the fire in the past and move on with your life. Some companies will even offer you a cash payment to sell a house with fire damages. This strategy would be called selling a house by owner in Kentucky. It can save you time and money as a homeowner trying to sell your property instead of listing it on the market.

Benefits of Selling a Fire Damaged House in KY

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When you sell a house with fire damaged, as opposed to making repairs, there are benefits including:

  • Eliminating the money necessary to pay for expensive repairs
  • Eliminating the need to find reputable contractors
  • Saving money and time by not demolishing the house
  • Receiving peace of mind
  • Unwanted or damaged items can be left behind
  • Most as-is buyers pay cash when you sell your home
  • Quick sale
  • No need to live in a badly damaged home

One of the best strategies to sell a house with fire damaged is avoiding expensive repairs. Fires can cause a significant amount of damage. Your walls can be damaged by smoke, wood beams become dry and weak, and structural damage can occur. According to many real estate professionals, most people decide to sell their house after a fire to avoid the complicated process of restoration and start fresh.

You may not realize how expensive it is to repair a home damaged by fire. Depending on the severity of the blaze, you may need to repair the foundation, replace the roof, deal with structural damage or even completely gut the inside. Not only is this process expensive, but it is time-consuming as well. Living in a home under repair can be aggravating due to the noise from machinery. Your privacy is jeopardized by workers continuously moving around your home.

Potential Costs of Recovering From a House Fire

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Cleaning up after a fire is expensive and can lead to respiratory issues due to soot and poor air quality. If anyone in your home is already suffering from a respiratory condition, seriously consider selling your house. Damage from smoke can stain your ceilings and walls, affect your attic, leave an odor in any crawl spaces and impact your airconditioning system, heating, and roof. Construction debris, contaminated items, and sharp edges can be dangerous and require special equipment to remove.

Another good reason to sell your house after this experience is that fire restoration often results in the need for both mold removal and water damage restoration due to the water necessary to put out the fire. If your fire was small, your average repair cost is between $3,000 – $5,000. If you need to replace your kitchen cabinets, plumbing, or roof, you can easily spend more than $50,000 on repairs. The amount of damage covered depends on your homeowner’s policy. If you are not covered for replacement costs, your out-of-pocket expenses can be significant.

If you have a cash value policy, it means you receive reimbursement for the depreciated value of your possessions at the time of the fire. If you purchased a replacement policy, you are covered for replacement using materials of comparable quality. Since this type of insurance is more expensive, many homeowners choose standard insurance instead. Your insurance may or may not cover damage to any structures that are not attached to your homes such as fences, garages, and sheds. You also have to consider any damage done to your landscaping.

If the expenses to repair your home after insurance are not within your finances, your best option is to sell your home as-is.

The Bottom Line

You can eliminate the stress of selling a fire-damaged house in Kentucky by contacting a cash buyer specializing in purchasing homes with this type of damage. In many instances, it is much easier to sell a home with fire damages than to attempt to navigate through months and months of extensive repairs. A quick sale will relieve your stress, allow you to relax, and purchase another home so you can start over. The chances are good you will receive enough money between your sale and insurance to purchase a similar home.

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