“Half our first floor was damaged from a basement flood. Couldn't get a single traditional buyer to stay interested past the inspection. These guys closed in 18 days.”
Brenda K.Chesterfield
Sell a Fire Damaged House in St. Louis Without Rebuilding It First
Don't wait on contractors or insurance adjusters. We buy fire and water damaged St. Louis homes for cash — no repairs, no lender delays, close fast.
Get My Cash Offer in 24 Hours
No Repairs or Fees- Cash, Close in 14 Days
WHO WE HELP
The Insurance Check and the Contractor Bid Rarely Match
After a house fire, two numbers land on the kitchen table. The first is what the insurance company agrees to pay. The second is what a contractor bids to put the place back together. Those numbers rarely match, and the gap between them comes out of your pocket. That gap is the usual reason owners decide to sell a fire damaged house instead of rebuilding it. Rebuilding means months of permits, framing, and drywall, a deductible up front, and a bid that tends to grow once the walls open. Selling as-is skips every bit of it. We buy damaged houses across the St. Louis area in whatever state the fire left them, boarded windows and smoke odor included. You don't haul out debris, you don't tarp the roof, and you don't owe anyone a deposit. We look at what's standing, we put a cash offer in writing, and you decide with the full picture in front of you.
The Problem
Selling a Damaged Home the Traditional Way Is an Uphill Battle
Selling a fire or water damaged home through traditional channels is an uphill battle.
Most buyers walk away the moment they see damage — or back out after inspection- Banks won't lend on homes with significant fire or water damage
- Repair estimates take weeks and contractor timelines stretch into months
- Insurance settlements rarely cover everything — leaving you to fund the difference
- Carrying costs — mortgage, taxes, insurance — accumulate while the property sits
You shouldn't have to spend money fixing a house you no longer want.
The Solution
We Buy As-Is - No Repairs, No Delays
A cash sale means you walk away without spending a dollar on repairs.
We buy in any condition fire, smoke, water, mold, structural — no exceptions- No repairs or cleanup required leave it exactly as it is
- Cash purchase, no bank involved no financing delays, no lender requirements
- Close in as few as 14 days or align with your insurance or relocation timeline
- No commissions or hidden fees what we offer is what you receive
OUR SERVICE VS. REALTORS
See How We Compare
Pick us over a real estate agent because:
Selling with Chris Buys Homes in St. Louis
Selling with a
Real Estate Agent
Real Estate Agent
Buyer pool
Full cash offer, guaranteed
Drastically limited — most buyers and lenders won't touch damaged homes
Repairs required
None — we buy as-is
Typically required before listing or to satisfy lender
Closing timeline
14-30 days
3-6+ months after repairs complete
Financing risk
No — cash purchase
Yes — lenders often decline damaged properties
Commission / fees
None
5-6% agent commission
Insurance delays
We close independent of claim
Must often wait for settlement before listing
Certainty of close
Guaranteed
Uncertain — buyers back out after inspection
Ready to sell your house to us?
Get my offer
Rated 4.9/5 | Based on 400+ reviews
How it works
Selling Your House Really Is This Easy
Selling your St. Louis house fast to a trusted local home buyer is pretty easy.
1
Get An Immediate Cash Offer
Fill out the form for a callback, or phone us directly to get a fair cash offer in minutes.
2
Let Us Do The Hard Work
We deal with all the details – there’s zero paperwork and bureaucracy for you to stress about.
3
Close And Get Paid
Our clients successfully sell their house and get paid on a timescale that suits their needs.
What Families Say About Us
Homeowners We've Helped Move On
A+
BBB Accredited
10 yrs
In St. Louis
24 hrs
Offer Turnaround
“The fire gutted our garage and part of the kitchen. Repair bids were over $80k. Selling as-is was the only move that made sense.”
Tony M.St. Louis
“Insurance was dragging its feet. We needed to move and couldn't wait. They made an offer within a day and we closed before the insurance even settled.”
Patrice W.Florissant
Ready when you are
Get Your Cash Offer - No Obligation
Takes 60 seconds - no commitment required
FAQs
Frequently Asked Questions
Yes. We can close before, during, or after an insurance claim. Many sellers prefer to sell before the claim settles to avoid the wait.
Yes — Missouri requires disclosure of known material defects. We price accordingly upfront, no surprises.
Fire, smoke, water, flood, mold, and structural damage from any of these. We've seen it all.
Our offer reflects the as-is value. When you factor in avoided repair costs, carrying costs, and agent commissions — most sellers come out ahead or close to it.
As fast as 14 days. We can also hold closing longer if you need time to find your next place.
Don't Rebuild Just to Sell.
Get a cash offer on your damaged home today. Close fast and move on.
Get My Cash Offer - No Obligation