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Terms and Conditions

Effective Date: October 9, 2026
Last Updated: October 9, 2026

These Terms and Conditions (“Terms”) govern your access to and use of ibuyfiredamagedhomesfortlauderdaleflorida.com (the “Website”) and services offered through the Website by I Buy Fire Damaged Homes Fort Lauderdale Florida (“we,” “us,” or “our”).

By accessing the Website, submitting property information, requesting an offer, or otherwise interacting with our services, you agree to these Terms and acknowledge our Privacy Policy.

1. Purpose of the Website

The Website allows property owners and authorized representatives to submit information concerning real estate they may wish to sell, including:

Depending on the property and transaction, we may:

Nothing displayed on the Website constitutes a binding offer to purchase real estate.

2. Direct Purchase Model

The Website presents our business as a direct cash purchaser of fire-damaged residential property.

Where we seek to purchase for our own account:

3. Our Role

Depending on the transaction, we may act as:

Unless separately and lawfully established, we do not act as your:

4. No Obligation to Sell

Submitting property information or requesting an offer does not obligate you to sell.

A Website submission is an inquiry and not a purchase agreement.

You may reject a proposed offer unless and until you enter into a legally enforceable transaction agreement, subject to any applicable cancellation, rescission, or termination rights.

5. No Obligation to Purchase

Submitting property information does not require us to:

6. Eligibility and Authority

By using the Website or submitting property information, you represent that:

Submission by one co-owner does not necessarily authorize that person to bind all owners.

7. Property Research

We may research:

8. Property Inspection and Due Diligence

The Website states that we may inspect a property before making or finalizing an offer.

Our acquisition due diligence may include:

An evaluation conducted for our acquisition purposes is not automatically an inspection performed for the seller’s benefit and is not a warranty concerning property condition.

9. Preliminary Offers

Any preliminary:

is non-binding unless incorporated into an enforceable written transaction agreement.

An offer may change after due diligence.

10. Offer Methodology

Potential offers may consider:

No particular purchase price or valuation methodology is guaranteed.

11. Binding Transactions

A binding transaction arises only when applicable parties execute legally enforceable transaction documents.

Closing may depend on:

12. Florida Residential Seller Disclosure — Johnson v. Davis

Florida does not use one universal statutory seller condition questionnaire for every ordinary residential resale.

However, Florida common law imposes an important disclosure duty.

Where a seller of a home knows of facts that:

the seller generally has a duty to disclose those facts.

This rule applies to used as well as new residential real property.

13. Fire Damage Can Be a Material Latent Condition

Depending on the facts, fire-related conditions may materially affect the value or desirability of property.

Examples include known:

Known material conditions that are not readily observable should not be concealed or misrepresented.

14. No Universal Florida Fire-Damage Disclosure Form

Florida does not impose one special statewide statutory “fire damage disclosure form” that every ordinary residential seller must complete.

The duty concerning material latent defects instead arises from:

15. As-Is Transactions

The Website advertises purchases in as-is condition.

An as-is clause may allocate repair and inspection responsibility between buyer and seller.

It does not automatically eliminate liability for:

16. Florida Flood Disclosure

Florida separately requires a statutory flood disclosure for sales of residential real property.

The seller must complete and provide the required flood disclosure at or before the time the sales contract is executed.

The current form addresses whether, during the seller’s ownership:

17. Firefighting Water Versus Statutory Flooding

Water damage caused by firefighting activity and statutory “flooding” are not necessarily the same legal concept.

Florida’s statutory flood definition addresses specified inundation from:

Firefighting-water damage may still be a material property condition even where it does not fit the statutory flood definition.

18. Sanitary Sewer Lateral Disclosure

Florida separately requires a seller, before executing a contract for sale, to disclose known defects in the property’s privately owned sanitary sewer lateral.

This requirement is independent from fire-damage disclosure.

19. No Universal Requirement to Deliver Every Fire Record

Florida does not impose one rule requiring every seller automatically to provide every:

to every purchaser.

A particular document may nevertheless be:

20. No Universal Repair Requirement Before Sale

Florida does not impose one statewide rule requiring every fire-damaged residence to be fully repaired before transfer.

A damaged property may potentially be sold as-is.

Separate:

may nevertheless affect the property.

21. Fort Lauderdale Building Permits

The City of Fort Lauderdale generally requires a permit before covered work involving:

Fire-restoration work can therefore require permits depending on the scope.

22. Permit Requirements Survive the Sale

A sale does not automatically:

Known permit and code matters should be evaluated during due diligence.

23. Fort Lauderdale Fire Prevention

Fort Lauderdale’s Fire Prevention Bureau conducts:

The Bureau enforces applicable requirements under:

Fire-damaged property may therefore require fire-related approvals in addition to ordinary building permits.

24. Unsafe Buildings

A heavily damaged building may be subject to:

An as-is purchase does not override governmental orders.

25. Cleanup and Restoration

The Website states that sellers do not need to perform repairs or cleanup.

Where we or another purchaser performs work after closing, any:

must comply with applicable contractor, environmental, worker-safety, disposal, licensing, and permitting requirements.

26. Contractor Licensing

Florida separately regulates contractors.

A real estate acquisition does not itself authorize a purchaser to perform regulated contracting work without the required license or lawful exemption.

27. Fast Offer and Closing Claims

The Website currently advertises:

Those statements describe possible transaction timing and are not guarantees.

Actual timing may depend on:

28. No Repairs, Cleaning, Commissions, or Closing Costs

The Website states that sellers may avoid:

Where a transaction is actually structured that way, the signed purchase agreement and final settlement statement control.

Marketing statements do not override transaction documents.

29. Florida Real Estate Licensing

Florida generally requires a real estate broker license where a person, for another and for compensation or expected compensation, engages in activities including:

concerning another person’s real property.

30. Principal Purchaser Versus Broker

A genuine principal purchaser seeking to acquire property for its own account is differently situated from someone performing brokerage services for another for compensation.

Nothing on the Website authorizes a person to avoid Florida licensing requirements merely by calling themselves:

The actual conduct controls.

31. Florida Owner Exemption

Florida’s licensing statute contains specified exemptions for owners and certain other persons acting with respect to property they own.

A person performing brokerage services concerning another person’s property should not assume an owner exemption applies merely because that person has an economic interest in a transaction.

32. Wholesaling and Assignment

Florida does not maintain the same type of stand-alone residential wholesaler registration and seller cooling-off statute used in some other states.

However, ordinary Florida licensing law still applies.

Relevant factors include:

33. Contractual Interest Is Not Legal Title

Holding a:

is different from holding record legal title.

A contract holder should not falsely represent that:

34. Assignment Depends on the Agreement

Whether a Florida purchase agreement may be assigned depends on:

Nothing on the Website guarantees that a particular purchase agreement is assignable.

35. Insurance Claims and Fire-Damage Proceeds

A fire-damaged property may involve an open or completed property-insurance claim.

We do not act as your insurer.

Property owners are responsible for understanding:

36. Florida Public Adjuster Law

Florida defines a “public adjuster” broadly.

Subject to statutory exceptions, a person can fall within that definition when, for money, commission, or another thing of value, the person:

37. Correction of Website Insurance Claim

The Website currently says that the business can:

That language should be revised unless the service is actually being performed through a properly licensed public adjuster or another lawful professional.

A property purchaser may review insurance information for acquisition purposes without becoming the homeowner’s insurance representative.

38. No Insurance-Settlement Representation

Unless separately licensed and lawfully retained, we do not:

A homeowner who wants assistance negotiating an insurance settlement should consult an appropriately licensed public adjuster or attorney.

39. Public Adjuster Contracts

Where a licensed public adjuster is separately retained, Florida imposes specific requirements concerning:

Those requirements are separate from a real estate purchase agreement.

40. Insurance Rights Do Not Automatically Transfer

Selling the property does not automatically transfer:

Those issues depend on:

41. Pending Insurance Claims

If a property is sold while a claim remains pending, the purchase agreement should address the parties’ respective rights concerning:

42. Foreclosure and Financial Distress

The Website may attract owners who are:

We are not your lender, servicer, attorney, financial adviser, housing counselor, mortgage broker, loan-modification provider, foreclosure-rescue consultant, or debt-relief provider unless a separate legally compliant relationship expressly establishes otherwise.

43. Florida Foreclosure-Rescue Law

Florida specifically regulates certain transactions and services involving homeowners in foreclosure.

The law distinguishes between:

These rules can apply to one-to-four-unit residential property in foreclosure.

44. Foreclosure-Rescue Consultants

A foreclosure-rescue consultant generally includes a person who, for compensation, offers services promising assistance with:

A direct buyer should not market itself as the homeowner’s paid foreclosure-rescue consultant unless separately compliant.

45. Written Foreclosure-Rescue Services Agreement

A covered foreclosure-rescue consultant generally must use a written agreement that satisfies statutory requirements.

The homeowner must generally receive the proposed agreement at least one business day before signing.

46. Three-Business-Day Rescue-Services Cancellation Right

A homeowner generally has the right to cancel a covered foreclosure-related rescue-services agreement within three business days after signing without penalty or obligation.

The cancellation right may not be waived or limited.

47. No Advance Foreclosure-Rescue Fees

A covered foreclosure-rescue consultant generally may not collect payment before completing all services promised in the agreement.

If payments were made and the homeowner timely cancels, qualifying amounts generally must be returned within 10 business days.

48. Foreclosure-Rescue Transactions

Florida separately regulates certain transactions where residential property in foreclosure is conveyed to an equity purchaser while the homeowner maintains or receives a legal or equitable interest, such as:

These transactions require special written documentation.

49. Three-Business-Day Equity-Purchase Cancellation Right

A homeowner entering a covered foreclosure-rescue transaction generally may cancel without penalty until 5:00 p.m. on the third business day after signing the written agreement.

This cancellation right cannot be waived.

The equity purchaser must provide the statutory cancellation notice.

50. Repurchase Arrangements

Where a covered foreclosure-rescue transaction gives the homeowner a right to repurchase:

Sale-leaseback and buyback structures therefore require separate legal review.

51. Ordinary Permanent Sale Versus Foreclosure Rescue

An ordinary permanent arm’s-length sale in which the former owner does not retain a lease-option, repurchase right, beneficial interest, or other continuing ownership interest is different from a statutory foreclosure-rescue transaction.

The actual transaction structure controls.

52. Requesting an Offer Does Not Stop Foreclosure

Submitting a Website inquiry, receiving an offer, or negotiating a purchase does not automatically:

Homeowners facing foreclosure should independently determine applicable deadlines.

53. No Foreclosure-Rescue Guarantees

Unless separately authorized and legally qualified, we do not represent that:

54. Probate, Estate, Trust, and Inherited Property

Submitting inherited, probate, estate, or trust property does not establish authority to sell.

A transaction may require:

55. Tenant-Occupied Property

Sale of tenant-occupied property does not itself automatically terminate a lawful tenancy.

A purchaser should evaluate:

A property that appears vacant following a fire should not automatically be assumed to have no continuing tenant rights.

56. Condominium and Homeowners’ Association Property

If property is located within a condominium or homeowners’ association, additional requirements may apply concerning:

Fire damage affecting common elements may require coordination with the association.

57. Federal Lead-Based Paint Disclosure

Federal lead-based-paint disclosure requirements may apply to qualifying residential housing constructed before 1978.

Nothing on the Website replaces federal disclosure requirements.

58. Telephone Communications

By providing a telephone number and requesting an offer, you authorize reasonable responsive communications concerning:

Additional consent will be obtained where legally required before regulated automated, prerecorded, artificial-voice, or marketing communications are made.

59. Florida Recording Law

Florida generally prohibits recording protected private communications unless legally sufficient consent or another statutory exception applies.

For ordinary acquisition calls, the operational standard should be to disclose the recording and obtain consent from all participants.

Interstate communications may also implicate the law of another state.

Where another applicable law imposes a stricter requirement, that rule controls.

60. Text Messages

If you provide a mobile number and applicable consent, we may communicate by text concerning:

Where legally required, additional consent will be obtained before regulated automated or marketing messages are sent.

Consent to marketing is not a condition of receiving an offer or selling property where prohibited.

Message and data rates may apply.

Message frequency may vary.

Reply STOP to request that applicable messages stop.

61. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will provide an unsubscribe mechanism.

62. Electronic Communications

Where permitted by law, you consent to receiving Website and transaction communications electronically.

This does not eliminate documents that applicable law requires to be provided in another form.

63. Privacy

Our handling of personal information is described in our Privacy Policy.

64. Independent Decision-Making

Selling fire-damaged real estate can have substantial:

You may wish to consult:

65. No Professional Advice

Website content does not constitute individualized:

66. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

If a Florida licensed real estate professional participates, applicable brokerage relationship disclosures and professional duties control.

67. Acceptable Use

You may not:

68. Intellectual Property

Unless otherwise stated, the Website and its original:

are owned by or licensed to I Buy Fire Damaged Homes Fort Lauderdale Florida.

You may not commercially reproduce protected Website content without authorization.

69. Third-Party Websites and Services

We do not control or accept responsibility for independent third-party:

70. Website Availability

We may modify, restrict, suspend, or discontinue Website features.

Continuous, uninterrupted, secure, or error-free availability is not guaranteed.

71. No Guarantee of Transaction

We do not guarantee:

72. Marketing Claims

Website language describing an offer or transaction as:

describes intended or possible service characteristics and does not guarantee a particular economic outcome.

The executed purchase agreement and settlement documents control.

73. Website Statement Concerning Liens

The Website currently states that a seller can receive cash at closing with “no delays, liens, or banks involved.”

That statement should not be interpreted as meaning that existing mortgages, liens, judgments, taxes, or other encumbrances can simply be ignored.

Existing title matters generally must be:

74. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

75. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

WE DISCLAIM WARRANTIES THAT MAY LAWFULLY BE DISCLAIMED, INCLUDING IMPLIED WARRANTIES OF:

Nothing in these Terms eliminates rights that applicable law does not permit to be waived.

76. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY FIRE DAMAGED HOMES FORT LAUDERDALE FLORIDA AND ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, AND BUSINESS PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING SOLELY FROM WEBSITE USE.

OUR AGGREGATE LIABILITY FOR CLAIMS ARISING SOLELY FROM WEBSITE USE WILL NOT EXCEED $500, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

This Website-only limitation does not govern rights or liabilities arising under separately executed:

unless those documents expressly provide otherwise and applicable law permits it.

77. Independent Third Parties

To the maximum extent permitted by law, we are not responsible for independent third-party:

Nothing in this provision eliminates liability that applicable law does not permit to be excluded.

78. Indemnification

To the extent permitted by law, you agree to indemnify I Buy Fire Damaged Homes Fort Lauderdale Florida from claims arising from your:

79. Governing Law

These Terms are governed by the laws of the State of Florida, except where another law must apply.

80. Venue and Disputes

Subject to mandatory jurisdiction, venue, consumer-protection, foreclosure, and transaction-specific requirements, proceedings arising solely from Website use may be brought in a court of competent jurisdiction in Florida.

These Website Terms do not impose mandatory arbitration.

A separately executed transaction agreement may contain different enforceable dispute provisions.

81. Non-Waivable Florida Rights

Nothing in these Terms waives rights that cannot legally be waived under applicable:

82. Transaction Agreements Control

These Website Terms do not replace:

A separately executed transaction agreement governs that transaction to the extent enforceable.

83. Changes to These Terms

We may update these Terms periodically.

Updated Terms become effective when posted or on another identified effective date, subject to applicable law.

84. Severability

If a provision is invalid or unenforceable, it will be enforced to the maximum lawful extent or severed, and the remaining provisions will remain effective.

85. No Waiver

Failure to enforce a provision does not waive the right to enforce it later.

86. Assignment

You may not assign these Website Terms without our written consent.

We may assign these Terms in connection with a merger, acquisition, financing, restructuring, affiliate reorganization, or sale of assets, subject to applicable law.

This provision does not determine whether a real estate purchase agreement may be assigned.

Assignment of a purchase agreement is governed by:

87. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

88. Contact Us

Questions concerning these Terms may be directed to:

I Buy Fire Damaged Homes Fort Lauderdale Florida
Fort Lauderdale, Florida
United States

Website: ibuyfiredamagedhomesfortlauderdaleflorida.com