GET AN OFFER

Terms and Conditions

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:

Depending on the property and transaction, we may:

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:

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 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:

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. 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:

8. Property Research

We may research:

9. Property Assessments

An acquisition evaluation may include:

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:

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:

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:

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:

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:

16. Fire Damage Can Be Material

Known fire-related conditions may materially affect value or desirability, including:

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:

18. No Universal Fire-Document Package

Florida does not impose one universal statewide rule requiring every fire-damaged seller automatically to deliver every:

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:

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:

may nevertheless affect the property.

23. City of Miami Versus Miami-Dade County Jurisdiction

“Miami” can refer to property:

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:

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:

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:

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:

34. Fair, Competitive, or “True Value” Claims

Website descriptions of an offer as:

should not be interpreted as a representation that:

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:

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:

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:

is different from holding legal title.

A contract holder should not falsely represent that:

41. Assignment Depends on the Contract

Whether a purchase agreement may be assigned depends on:

Nothing on the Website guarantees assignability.

42. Foreclosure and Financial Distress

The Website may attract homeowners who are:

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:

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:

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:

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:

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:

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. Federal Mortgage-Assistance Rules

Where separate conduct constitutes mortgage-assistance-relief services under federal law, additional requirements can regulate:

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:

56. Florida Homestead

Florida homestead law can affect:

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:

unless a separate legally compliant relationship expressly establishes otherwise.

Property owners are responsible for understanding:

58. Pending Insurance Claims

If property is sold while an insurance claim remains pending, transaction documents should address rights concerning:

59. Insurance Rights Do Not Automatically Transfer

A property sale does not automatically transfer:

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:

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:

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:

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:

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:

71. No Professional Advice

Website content does not constitute individualized:

72. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

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

73. Acceptable Use

You may not:

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:

78. Marketing Claims

Website descriptions of our process as:

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:

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:

87. Transaction Agreements Control

These Website Terms do not replace:

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