Effective Date: October 7, 2026
Last Updated: October 7, 2026
These Terms and Conditions (“Terms”) govern your access to and use of ibuyfiredamagedhomesmiamiflorida.com (the “Website”) and services offered through the Website by I Buy Fire Damaged Homes Miami 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:
- Fire-damaged property;
- Smoke-damaged property;
- Water-damaged property;
- Structurally damaged property;
- Distressed property;
- Vacant property;
- Tenant-occupied property;
- Inherited property;
- Probate or estate property;
- Property in foreclosure;
- Property subject to liens;
- Property requiring cleanup;
- Property requiring substantial repairs; and
- Other residential or investment property.
Depending on the property and transaction, we may:
- Evaluate the property;
- Purchase or seek to purchase it directly;
- Make or facilitate a cash offer;
- Conduct or arrange due diligence;
- Coordinate cleanout where agreed;
- Enter into a purchase agreement;
- Acquire contractual or equitable rights;
- Assign contractual rights where legally and contractually permitted;
- Work with licensed Florida real estate professionals where legally required; or
- Decline the opportunity.
Nothing displayed on the Website is itself a binding offer to purchase real estate.
2. Direct-Buyer Model
The Website currently represents our service principally as a direct cash purchase of fire-damaged property.
Where we seek to purchase property for our own account:
- Our economic interests may differ from the seller’s interests;
- We may seek a purchase price accounting for repair costs, cleanup, holding expenses, transaction costs, risk, and investment return;
- We negotiate for ourselves unless a separate written relationship provides otherwise; and
- We do not automatically owe the seller duties associated with the seller’s broker, attorney, fiduciary, appraiser, public adjuster, or financial adviser.
3. Our Role
Depending on the transaction, we may act as:
- A prospective principal purchaser;
- Real estate investor;
- Property-acquisition business;
- Contract purchaser;
- Holder of contractual or equitable rights;
- Affiliate or co-investor with another purchaser; or
- Another lawful transaction participant.
Unless separately and lawfully established, we do not act as your:
- Real estate broker;
- Seller’s agent;
- Attorney;
- Accountant;
- Tax adviser;
- Financial adviser;
- Insurance adviser;
- Public adjuster;
- Contractor;
- Engineer;
- Appraiser;
- Fiduciary;
- Housing counselor;
- Mortgage broker;
- Mortgage lender;
- Mortgage servicer;
- Loan-modification provider;
- Foreclosure-rescue consultant;
- Debt-relief provider; or
- Other professional adviser.
4. No Obligation to Sell
Submitting information or requesting an offer does not obligate you to sell.
A Website form is an inquiry and not a purchase agreement.
You may reject a proposed offer unless and until you execute an enforceable transaction agreement, subject to applicable contractual or statutory rights.
5. No Obligation to Purchase
Submitting information does not require us to:
- Inspect the property;
- Make an offer;
- Maintain an offer;
- Continue negotiations;
- Purchase the property; or
- Complete a transaction.
6. Eligibility and Authority
By using the Website or submitting property information, you represent that:
- You are at least 18 years old;
- You possess legal capacity to contract;
- Information you provide is materially accurate to the best of your knowledge;
- You own the property or are lawfully authorized to communicate concerning it; and
- Your use complies with applicable law.
Submission by one co-owner does not necessarily authorize that person to bind all owners.
7. Agents, Wholesalers, and Other Representatives
If an agent, wholesaler, contract holder, attorney-in-fact, trustee, personal representative, or other representative submits property information, that person is responsible for possessing lawful authority.
Nothing on the Website authorizes:
- Unlicensed brokerage;
- Misrepresentation of ownership;
- Unauthorized marketing of another person’s property;
- Unauthorized disclosure of personal information; or
- Violation of an existing purchase agreement.
8. Property Research
We may research:
- Ownership;
- Recorded deeds;
- Mortgages;
- Liens;
- Judgments;
- Taxes;
- Foreclosure filings;
- Property condition;
- Fire and smoke damage;
- Structural condition;
- Roof and foundation;
- Electrical and plumbing;
- Repairs;
- Permits;
- Unsafe-structure records;
- Code enforcement;
- Flood history;
- Insurance information;
- Probate;
- Tenant status;
- Comparable sales; and
- Other matters relevant to a potential transaction.
9. Property Assessments
An acquisition evaluation may include:
- Visual inspection;
- Photography;
- Contractor review;
- Structural evaluation;
- Repair estimates;
- Environmental review;
- Permit research;
- Unsafe-structure research;
- Title review;
- Insurance review;
- Flood review; and
- Other due diligence.
An evaluation performed for our acquisition purposes is not automatically an inspection or professional report performed for the seller’s benefit and is not a warranty of property condition.
10. Preliminary Offers
Any preliminary:
- Cash offer;
- Estimated offer;
- Property valuation;
- Price range;
- Repair estimate; or
- Similar statement
is non-binding unless incorporated into an enforceable written transaction agreement.
A preliminary offer may change following due diligence.
11. Offer Methodology
Potential offers may consider:
- Existing property condition;
- Fire and smoke damage;
- Structural damage;
- After-repair value;
- Comparable sales;
- Restoration expenses;
- Cleanup expenses;
- Demolition expenses;
- Permit expenses;
- Flood or environmental risks;
- Holding expenses;
- Taxes;
- Insurance;
- Closing costs;
- Market conditions;
- Risk; and
- Expected investment return.
No particular purchase price or valuation formula is guaranteed.
12. Binding Transactions
A binding real estate transaction arises only when the applicable parties execute enforceable transaction documents.
Closing may depend on:
- Ownership verification;
- Authority to sell;
- Title;
- Mortgages;
- Liens;
- Judgments;
- Taxes;
- Seller disclosures;
- Flood disclosures;
- Property access;
- Due diligence;
- Probate;
- Foreclosure status;
- Insurance;
- Condominium or association requirements;
- Miami or Miami-Dade code issues;
- Buyer funding;
- Closing requirements; and
- Other legal or contractual conditions.
13. Florida Does Not Use One Universal Statutory Residential Condition Form
Florida does not impose one single statewide statutory seller-property-condition questionnaire for every ordinary resale of an existing residence.
That does not mean a seller may conceal known material defects.
Seller obligations arise from Florida common law, specific statutes, the purchase agreement, representations actually made, licensed-broker duties, federal law, local requirements, and other transaction-specific rules.
14. Johnson v. Davis Disclosure Duty
Under Florida law, where the seller of a home knows of facts that:
- Materially affect the value of the property;
- Are not readily observable; and
- Are not known to the buyer,
the seller generally has a duty to disclose those facts.
This rule applies to residential real estate even when no universal statutory condition form is required.
15. Actual Knowledge
Florida’s nondisclosure rule generally depends on the seller’s actual knowledge of the material condition.
A seller is not automatically liable for every unknown defect merely because the defect existed.
However, a seller should not:
- Conceal known defects;
- Make materially false statements;
- Give half-truths that create a misleading impression; or
- Misrepresent completed repairs.
16. Fire Damage Can Be Material
Known fire-related conditions may materially affect value or desirability, including:
- Structural damage;
- Roof damage;
- Foundation damage;
- Electrical damage;
- Plumbing damage;
- Smoke or soot contamination;
- Firefighting-water intrusion;
- Mold;
- HVAC damage;
- Hazardous-material disturbance;
- Unpermitted repair;
- Code violations;
- Unsafe-structure findings;
- Incomplete restoration; and
- Other continuing conditions.
Where such facts are known, material, not readily observable, and unknown to the buyer, they should not be concealed.
17. As-Is Does Not Authorize Concealment
Florida commonly permits real estate to be sold on an as-is basis.
“As-is” can allocate repair obligations and due-diligence risk.
It does not automatically eliminate liability for:
- Fraud;
- Active concealment;
- Material misrepresentation;
- The Johnson v. Davis disclosure duty;
- Statutory disclosures;
- Contractual representations;
- Federal disclosure requirements;
- Title obligations; or
- Other non-waivable duties.
18. No Universal Fire-Document Package
Florida does not impose one universal statewide rule requiring every fire-damaged seller automatically to deliver every:
- Fire-department report;
- Insurance claim file;
- Adjuster report;
- Contractor invoice;
- Engineering report;
- Photograph;
- Repair estimate;
- Permit;
- Remediation record; or
- Inspection report
to every buyer.
A specific document may nevertheless be required by the purchase agreement, necessary to avoid misleading disclosure, requested during due diligence, required by an insurer or lender, required by a municipality, or otherwise legally relevant.
19. Florida Flood Disclosure
Florida separately requires a statutory flood disclosure for residential real property.
The seller must provide the disclosure at or before execution of the sales contract.
The statutory form addresses:
- Whether the seller knows of flooding that damaged the property during the seller’s ownership;
- Whether the seller filed an insurance claim concerning flood damage; and
- Whether the seller received flood-related assistance, including FEMA assistance.
This requirement is separate from fire-damage disclosure.
20. Flood Damage and Firefighting Water Are Different
Water damage caused by firefighters suppressing a structure fire is not automatically the same as statutory “flooding.”
Florida’s statutory flood definition concerns specified inundation from inland or tidal waters, rapid runoff or surface waters from established water sources, or sustained standing water resulting from rainfall.
The actual source of water should therefore be accurately described.
21. Sanitary Sewer Lateral Disclosure
Florida separately requires disclosure of known defects in the property’s sanitary sewer lateral before execution of a sale contract.
A fire-damaged property’s plumbing and sewer issues should therefore be evaluated separately where relevant.
22. No Universal Requirement to Repair Before Sale
Florida does not impose one statewide rule requiring every fire-damaged residence to be fully restored before it can be sold.
A damaged property may potentially be transferred as-is.
Separate:
- Florida Building Code requirements;
- Unsafe-structure orders;
- Local building codes;
- Building permits;
- Electrical permits;
- Plumbing permits;
- Fire requirements;
- Occupancy restrictions;
- Environmental requirements;
- Insurance obligations; and
- Contract provisions
may nevertheless affect the property.
23. City of Miami Versus Miami-Dade County Jurisdiction
“Miami” can refer to property:
- Inside the City of Miami;
- In unincorporated Miami-Dade County; or
- Within another Miami-Dade municipality.
Permitting and code-enforcement procedures can differ.
Property-specific jurisdiction should be confirmed before relying on City of Miami or Miami-Dade County requirements.
24. City of Miami Unsafe Structures
Within the City of Miami, fire-damaged property may be investigated as an unsafe structure.
Conditions triggering unsafe-structure enforcement can include:
- Structural instability;
- Collapsing walls, ceilings, or roofs;
- Fire hazards;
- Open or abandoned structures;
- Unsafe access or egress;
- Utility disconnection; and
- Other hazardous conditions.
A property may be required to be secured while compliance work proceeds.
25. Repair or Demolition Orders
Where the City determines an unsafe structure can be repaired, an owner may be given deadlines for professional evaluation, permitting, repair, and inspection.
Where a structure is determined to be beyond repair, demolition may be required.
The sale of the property does not automatically cancel an unsafe-structure case.
26. Structures More Than 50% Damaged
Current City of Miami unsafe-structure guidance states that where the Building Official determines a structure is more than 50% damaged or beyond repair, demolition may be required.
That determination is made by the City on the actual property.
These Terms do not represent that every structure with more than 50% fire damage is automatically subject to the same outcome outside the applicable City process.
27. Demolition Permits
Within the City of Miami, a demolition permit is required before performing covered total or partial demolition.
Current City procedures state that only a qualified licensed contractor may apply for that demolition permit.
A homeowner cannot directly apply for that City demolition permit.
28. Permit Requirements for Repairs
Florida and local law require permits for many forms of reconstruction and repair, especially structural, electrical, plumbing, gas, mechanical, roofing, window, door, and similar work.
An as-is acquisition does not authorize unpermitted restoration.
29. Limited 2026 Residential Permit Exemption
Florida and City rules provide a limited process under which certain small single-family residential work valued below the statutory threshold may qualify for a permit exemption.
That process does not generally legalize prior unpermitted work and does not eliminate separate zoning, environmental, tree, or other approvals.
Major fire restoration should not be presumed exempt.
30. Miami-Dade Unsafe Structures
Miami-Dade County separately enforces unsafe-structure provisions for property within its jurisdiction.
Fire, deterioration, unpermitted work, or structural instability can lead to:
- Notices of violation;
- Repair requirements;
- Demolition orders;
- Civil fines;
- Liens; and
- Other enforcement.
The exact jurisdiction and existing case history should be reviewed during due diligence.
31. Inspections and Due Diligence
The Website states that sellers can avoid traditional inspections or repair requirements.
That does not prevent a purchaser from conducting acquisition due diligence.
Due diligence may include:
- Visual inspection;
- Structural review;
- Contractor estimates;
- Electrical assessment;
- Fire-damage assessment;
- Environmental review;
- Mold evaluation;
- Permit research;
- Unsafe-structure research;
- Flood review;
- Title review;
- Insurance review; and
- Other investigation.
32. Fast Offer Claims
The Website advertises cash offers in approximately 24 hours.
That describes possible or intended offer timing and is not a guarantee.
Property evaluation, title, ownership, insurance, foreclosure, probate, access, unsafe-structure conditions, or other circumstances may affect timing.
33. Fast Closing Claims
Any statement concerning immediate or rapid closing describes a possible transaction structure rather than a guaranteed closing date.
Actual closing timing may depend on:
- Title;
- Mortgages;
- Liens;
- Judgments;
- Probate;
- Foreclosure;
- Seller disclosures;
- Flood disclosure;
- Insurance;
- Municipal orders;
- Association requirements;
- Buyer funding; and
- Closing-agent requirements.
34. Fair, Competitive, or “True Value” Claims
Website descriptions of an offer as:
- Fair;
- Competitive;
- Honest;
- Best-value;
- True-value; or
- Similar terminology
should not be interpreted as a representation that:
- The offer equals appraised fair market value;
- The offer equals repaired retail value;
- No other purchaser would pay more;
- The seller could not achieve a higher net return through another sales method; or
- A particular valuation formula will always be used.
The signed purchase agreement controls.
35. No Agent Commissions
Where the transaction is a genuine direct purchase and the seller has not separately engaged a broker who is owed compensation, a traditional listing commission may not apply.
If a Florida real estate licensee participates, any compensation obligations are determined by the applicable agreements and Florida law.
36. Florida Real Estate Licensing
Florida defines a real estate broker broadly as a person who, for another and for compensation or expected compensation, performs specified real estate activities.
Those activities include:
- Selling or buying real property or interests in real property;
- Offering to sell or buy;
- Negotiating;
- Procuring sellers or purchasers;
- Directing or assisting in procuring prospects;
- Assisting in negotiation or closing; and
- Advertising that one is engaged in selling or buying property of others.
Nothing on the Website authorizes unlicensed brokerage.
37. Owner Exemption
Florida provides an exemption for an individual or entity selling, exchanging, or leasing its own real property, subject to statutory limitations.
A genuine owner dealing with property it actually owns is situated differently from a person providing compensated brokerage services for another.
38. Principal Purchaser
A genuine purchaser seeking property for its own account is not automatically acting as the seller’s real estate broker.
However, the principal-buyer concept should not be used to disguise activity that is actually:
- Brokerage for another;
- Paid lead procurement;
- Negotiation for another;
- Marketing another person’s property; or
- Another regulated service.
39. Wholesaling and Contract Assignments
As of October 7, 2026, Florida does not have a separate comprehensive residential-wholesaler registration and seller-cancellation statute comparable to the specialized laws enacted in several other states.
Existing contract, licensing, advertising, fraud, and consumer-protection law still applies.
40. Equitable Interest Is Not Legal Title
Holding a:
- Purchase agreement;
- Option;
- Assignment right; or
- Equitable interest
is different from holding legal title.
A contract holder should not falsely represent that:
- It is the deed owner;
- It holds legal title when it does not;
- The property itself is being conveyed when only contractual rights are being assigned; or
- It possesses rights exceeding the agreement.
41. Assignment Depends on the Contract
Whether a purchase agreement may be assigned depends on:
- Contract language;
- Anti-assignment provisions;
- Required consent;
- Florida contract law;
- Real estate licensing requirements;
- Foreclosure protections; and
- Other applicable law.
Nothing on the Website guarantees assignability.
42. Foreclosure and Financial Distress
The Website may attract homeowners who are:
- Behind on mortgage payments;
- Facing foreclosure;
- At risk of losing property for unpaid taxes;
- Experiencing financial hardship; or
- Seeking a rapid sale.
We are not your mortgage 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 Statute § 501.1377 provides substantial protections to homeowners during residential foreclosure proceedings.
The statute separately regulates:
- Foreclosure-related rescue services; and
- Certain foreclosure-rescue transactions involving equity purchasers.
A direct property acquisition should remain operationally distinct from paid foreclosure-rescue consulting.
44. Foreclosure-Rescue Consultant Agreements
A covered foreclosure-rescue consultant generally may not begin providing covered services without first entering into a compliant written agreement with the homeowner.
The agreement is subject to statutory formatting, disclosure, service-description, compensation, and cancellation requirements.
45. No Advance Fees for Covered Rescue Services
A covered foreclosure-rescue consultant generally may not solicit, charge, collect, or secure payment for foreclosure-related rescue services before completing all services specified in the agreement.
46. Foreclosure-Rescue Transactions
A covered foreclosure-rescue transaction generally involves:
- Residential property in foreclosure;
- A conveyance to an equity purchaser;
- The homeowner retaining a legal or equitable interest such as a lease option, repurchase option, land-trust interest, or similar interest; and
- A transaction designed or intended to stop, avoid, or delay foreclosure.
An ordinary permanent sale in which the seller does not retain a promised interest back is different.
47. Three-Business-Day Cancellation Right
A homeowner entering a covered foreclosure-rescue transaction generally has a statutory right to cancel until 5:00 p.m. on the third business day after receipt of the required cancellation notice.
That cancellation right may not be waived by the homeowner or purchaser.
48. Written Foreclosure-Rescue Purchase Agreement
A covered foreclosure-rescue transaction requires a detailed written agreement executed before the homeowner conveys or encumbers the property interest.
The agreement generally must identify matters including:
- The equity purchaser;
- Property;
- Consideration;
- Financial obligations assumed;
- Payment terms;
- Possession timing;
- Repurchase rights, if any; and
- Required statutory cancellation language.
49. Repurchase Arrangements
Where the homeowner has a right to repurchase property in a covered foreclosure-rescue transaction, Florida imposes additional protections.
These include provisions concerning:
- Ability to afford the repurchase;
- Default cure;
- Commercial reasonableness;
- Repurchase pricing; and
- Other statutory safeguards.
50. Thirty-Day Cure Right
For a covered foreclosure-rescue transaction containing a homeowner repurchase right, the homeowner generally receives a 30-day right to cure a default, exercisable on up to three separate occasions as provided by statute.
51. Foreclosure Rescue and Loan Presumption
A covered foreclosure-rescue transaction involving a lease option or other repurchase arrangement can create a rebuttable presumption between the equity purchaser and homeowner that the transaction is actually a loan transaction and the conveyance is a mortgage.
Sale-leaseback or repurchase structures therefore require careful Florida legal review.
52. Requesting an Offer Does Not Stop Foreclosure
Submitting a Website inquiry, receiving an offer, or negotiating a sale does not automatically:
- Stop foreclosure;
- Cancel a lis pendens;
- Postpone a judicial sale;
- Cure default;
- Reinstate a mortgage;
- Modify a loan;
- Create a forbearance; or
- Require a lender or servicer to delay enforcement.
Homeowners facing foreclosure should independently determine applicable deadlines.
53. No Foreclosure-Rescue Guarantees
Unless separately authorized and legally qualified, we do not represent that:
- We act for your lender;
- We act for your mortgage servicer;
- We act for Florida or the federal government;
- We guarantee foreclosure will stop;
- We guarantee a loan modification;
- We negotiate your mortgage as your adviser;
- You should stop communicating with your lender;
- You should stop making legally required payments; or
- Selling to us is your only option.
54. Federal Mortgage-Assistance Rules
Where separate conduct constitutes mortgage-assistance-relief services under federal law, additional requirements can regulate:
- Advance fees;
- Advertising;
- Consumer notices;
- Communications with lenders or servicers; and
- Consumer acceptance.
55. Probate, Estate, Trust, and Inherited Property
Submitting inherited, estate, probate, or trust property does not establish legal authority to sell.
A transaction may require:
- Personal-representative authority;
- Trustee authority;
- Probate documentation;
- Participation of beneficiaries or heirs;
- Court approval in some circumstances;
- Appropriate deeds; or
- Other evidence of authority.
56. Florida Homestead
Florida homestead law can affect:
- Who must sign a conveyance;
- Spousal rights;
- Devise and inheritance;
- Creditor protections; and
- Other aspects of a residential transaction.
A homeowner’s ability to sell should be verified through appropriate title and legal review rather than assumed from Website submission alone.
57. Insurance Claims and Fire-Damage Proceeds
A fire-damaged property may involve an open or completed insurance claim.
We do not act as your:
- Insurance company;
- Insurance producer;
- Public adjuster;
- Insurance attorney; or
- Insurance adviser
unless a separate legally compliant relationship expressly establishes otherwise.
Property owners are responsible for understanding:
- Coverage;
- Proof-of-loss requirements;
- Claim deadlines;
- Insurance proceeds;
- Repair obligations;
- Mortgagee rights;
- Recoverable depreciation;
- Additional living expenses;
- Assignment restrictions;
- Salvage; and
- Policy conditions.
58. Pending Insurance Claims
If property is sold while an insurance claim remains pending, transaction documents should address rights concerning:
- Existing proceeds;
- Supplemental proceeds;
- Recoverable depreciation;
- Future payments;
- Additional claims;
- Repairs;
- Salvage; and
- Related benefits.
59. Insurance Rights Do Not Automatically Transfer
A property sale does not automatically transfer:
- The seller’s insurance policy;
- Pending insurance claims;
- Insurance proceeds;
- Recoverable depreciation; or
- Other policy rights.
Those matters depend on policy language, Florida insurance law, timing of the loss, mortgagee rights, insurer requirements, and transaction documents.
60. Public Adjusting
Nothing on the Website constitutes public-adjusting services.
A homeowner seeking assistance negotiating an insurance claim should use an appropriately licensed public adjuster or attorney where required.
61. Condominium and Association Property
If the property is located in a condominium or homeowners’ association, additional rights and obligations can arise concerning:
- Association documents;
- Assessments;
- Structural matters;
- Insurance;
- Repair responsibilities;
- Common elements;
- Approval requirements;
- Reserves;
- Litigation; and
- Closing documentation.
Fire damage involving both a unit and common elements can require transaction-specific review.
62. Tenant-Occupied Property
Sale of tenant-occupied property does not by itself automatically terminate every lawful tenancy.
A purchaser should evaluate:
- Existing leases;
- Security deposits;
- Habitability;
- Fire displacement;
- Required notices;
- Possession rights; and
- Applicable Florida landlord-tenant law.
A property appearing physically vacant after a fire should not automatically be treated as legally tenant-free.
63. Federal Lead-Based Paint Disclosure
Federal lead-based-paint disclosure requirements may apply to qualifying housing constructed before 1978.
Nothing on the Website replaces applicable federal requirements.
64. Telephone Communications
By providing a telephone number and requesting an offer, you authorize reasonable responsive communications concerning:
- Your property;
- Property research;
- Scheduling;
- Inspections;
- Offers;
- Follow-up; and
- Potential transactions.
Additional consent will be obtained where legally required before regulated automated, prerecorded, artificial-voice, or marketing communications are made.
65. Florida Recording Law
Florida generally requires the prior consent of all parties before recording a private wire, oral, or electronic communication, subject to statutory exceptions.
Acquisition calls should therefore not be silently recorded solely because one participant consents.
Where recording occurs, appropriate notice and legally sufficient consent should be obtained before recording protected communications.
66. Text Messages
If you provide a mobile telephone number and applicable consent, we may communicate by text concerning your inquiry, property, scheduling, inspections, offers, follow-up, and potential transactions.
Where legally required, additional consent will be obtained before regulated automated or promotional texts 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.
67. Email Communications
By providing an email address, you authorize communications concerning:
- Your property;
- Potential offers;
- Inspections;
- Due diligence;
- Scheduling;
- Follow-up;
- Services; and
- Potential transactions.
Applicable promotional emails will contain an unsubscribe mechanism.
68. Electronic Communications
Where permitted by law, you consent to receiving Website and transaction communications electronically.
This does not override any law requiring a particular document to be delivered in another legally prescribed manner.
69. Privacy
Our handling of personal information is described in our Privacy Policy.
70. Independent Decision-Making
Selling fire-damaged property can have significant legal, tax, financial, insurance, construction, environmental, foreclosure, and personal consequences.
You may wish to consult:
- A Florida attorney;
- A licensed Florida real estate professional;
- A tax professional;
- An accountant;
- An insurance professional;
- A properly licensed contractor;
- An engineer;
- An environmental professional;
- An appraiser;
- A HUD-approved housing counselor; or
- Another qualified adviser.
71. No Professional Advice
Website content does not constitute individualized:
- Legal advice;
- Tax advice;
- Accounting advice;
- Financial advice;
- Insurance advice;
- Construction advice;
- Engineering advice;
- Environmental advice;
- Appraisal advice;
- Mortgage advice; or
- Foreclosure advice.
72. No Automatic Agency or Fiduciary Relationship
Use of the Website does not itself create:
- Seller agency;
- Buyer agency;
- A real estate brokerage relationship;
- A fiduciary relationship;
- Partnership;
- Joint venture; or
- Employment.
If a licensed Florida real estate professional participates, applicable brokerage-relationship disclosures and duties control.
73. Acceptable Use
You may not:
- Use the Website unlawfully;
- Submit fraudulent property information;
- Knowingly provide materially false information;
- Impersonate another person;
- Submit property information without authority;
- Attempt unauthorized system access;
- Introduce malicious code;
- Circumvent security;
- Abuse Website forms;
- Interfere with Website operation; or
- Violate another person’s rights.
74. Intellectual Property
Unless otherwise stated, the Website and its original text, branding, graphics, images, designs, layout, and software are owned by or licensed to I Buy Fire Damaged Homes Miami Florida.
You may not commercially reproduce protected Website content without authorization.
75. Third-Party Websites and Services
We do not control or accept responsibility for independent third-party websites, privacy practices, content, security, products, services, representations, or conduct.
76. Website Availability
We may modify, restrict, suspend, or discontinue Website features.
Continuous, uninterrupted, secure, or error-free Website availability is not guaranteed.
77. No Guarantee of Transaction
We do not guarantee:
- An offer;
- Fair-market-value pricing;
- A particular purchase price;
- A specific closing date;
- Successful assignment;
- Insurance recovery;
- Completion of cleanup;
- Resolution of municipal violations;
- Completion of a transaction; or
- A particular financial result.
78. Marketing Claims
Website descriptions of our process as:
- Fair;
- Competitive;
- Fast;
- Immediate;
- Reliable;
- Transparent;
- Hassle-free;
- Stress-free;
- Fee-free; or
- Similar language
describe intended service characteristics and do not guarantee a particular outcome.
The executed transaction documents control.
79. Testimonials
Testimonials describe individual reported experiences.
They do not guarantee that another seller will receive the same offer, closing time, transaction structure, or result.
80. 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 MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
Nothing in these Terms eliminates rights that applicable law does not permit to be waived.
81. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY FIRE DAMAGED HOMES MIAMI 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 under separately executed purchase agreements, assignment agreements, brokerage agreements, foreclosure-rescue agreements, insurance-related agreements, contractor agreements, or other transaction-specific documents unless those documents expressly provide otherwise and applicable law permits it.
82. Independent Third Parties
To the maximum extent permitted by law, we are not responsible for independent third-party representations, contracts, pricing, performance, privacy practices, professional services, or conduct.
Nothing in this provision eliminates liability that applicable law does not permit to be excluded.
83. Indemnification
To the extent permitted by law, you agree to indemnify I Buy Fire Damaged Homes Miami Florida from claims arising from your:
- Unlawful Website use;
- Material breach of these Terms;
- Fraudulent information knowingly submitted;
- Information knowingly submitted without authority; or
- Violation of another person’s rights.
84. Governing Law
These Terms are governed by the laws of the State of Florida, except where another law must apply.
85. 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.
86. Non-Waivable Florida Rights
Nothing in these Terms waives rights that cannot legally be waived under applicable:
- Florida common-law seller disclosure duties;
- Florida flood-disclosure law;
- Florida Real Estate License Law;
- Florida Deceptive and Unfair Trade Practices Act;
- Florida foreclosure-rescue law;
- Florida Digital Bill of Rights where applicable;
- Florida Information Protection Act;
- Florida Security of Communications Act;
- Florida homestead law;
- Applicable Miami or Miami-Dade codes;
- Federal mortgage-assistance rules;
- Federal lead-disclosure law; or
- Other applicable law.
87. Transaction Agreements Control
These Website Terms do not replace:
- Purchase agreements;
- Assignment agreements;
- Brokerage agreements;
- Seller disclosures;
- Statutory flood disclosures;
- Foreclosure-rescue agreements;
- Cancellation notices;
- Title documents;
- Closing documents;
- Insurance-related agreements;
- Contractor agreements; or
- Other transaction-specific documents.
A separately executed transaction agreement governs that transaction to the extent enforceable.
88. Changes to These Terms
We may update these Terms periodically.
Updated Terms become effective when posted or on another stated effective date, subject to applicable law.
89. 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.
90. No Waiver
Failure to enforce a provision does not waive the right to enforce it later.
91. 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 the agreement itself, Florida contract law, Florida real estate licensing law, foreclosure protections, and other applicable requirements.
92. Entire Agreement Regarding Website Use
These Terms and the Privacy Policy govern Website use.
They do not supersede separately executed real estate transaction documents.
93. Contact Us
Questions concerning these Terms may be directed to:
I Buy Fire Damaged Homes Miami Florida
Miami, Florida
United States
Website: ibuyfiredamagedhomesmiamiflorida.com