We examine the four-quark structure of the recently discovered charged $Z_c(3900)$, $Z(4430)$, and $X_b(5568)$ states. We calculate the widths of the strong decays $Z_c^+ \to J/\psi \pi^+$ ($\eta_c\rho^+$, $\bar D^0D^{\ast\,+}$, $\bar D^{\ast\,0}D^+$), $Z(4430)^+ \to J/\psi \pi^+$ ($\psi(2s) \pi^+$), and $X^+_b\to B_s\pi^+$ within a covariant quark model previously developed by us. We find that the tetraquark-type current widely used in the literature for the $Z_c(3900)$ leads to a significant suppression of the $\bar D D^\ast$ and $\bar D^\ast D$ modes. Contrary to this a molecular-type current provides an enhancement by a factor of 6-7 for the $\bar D D^\ast$ modes compared with the $Z_c^+\to J/\psi\pi^+$, $\eta_c\rho^+$ modes in agreement with recent experimental data from the BESIII Collaboration. In case of the $Z(4430)$ state we test a sensitivity of the ratio $R_Z$ of the $Z(4430)^+ \to \psi(2s) \pi^+$ and $Z(4430)^+ \to J/\psi \pi^+$ decay rates to a choice of the size parameter $\Lambda_{Z(4430)}$ of the $Z(4430)$. Using upper constraint for the sum of these two modes deduced from the LHCb Collaboration data we find that $R_Z$ varies from 4.64 to 4.08 when $\Lambda_{Z(4430)}$ changes from 2.2 to 3.2 GeV. Also we make the prediction for the $Z(4430)^+ \to D^{\ast\,+} \bar D^{\ast\,0}$ decay rate.
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