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 ibuyhouseswithfiredamagefresno.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Fresno (“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-Buyer Model

The Website currently represents that we operate as a direct buyer rather than as an intermediary or wholesaler.

Where we seek to acquire property for our own account:

If the structure of a particular transaction differs from this direct-buyer model, the actual transaction documents and legally required disclosures control.

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 submission is an inquiry and is not a purchase agreement.

You may reject a proposed offer unless and until you enter into a legally enforceable transaction agreement, subject to applicable statutory cancellation 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. Agents, Wholesalers, and Representatives

If an agent, wholesaler, contract holder, attorney-in-fact, trustee, personal representative, executor, administrator, or other representative submits information, that person is responsible for having lawful authority to do so.

Nothing on the Website authorizes:

8. Property Research

We may research:

9. Property Assessments

An acquisition evaluation may include:

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

10. Preliminary Offers

Any preliminary:

is non-binding unless included in an enforceable written transaction agreement.

A preliminary offer may change after due diligence.

11. Offer Methodology

Potential offers may consider:

No particular valuation methodology, purchase price, or financial result is guaranteed.

12. Binding Transactions

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

Closing may depend on:

13. California Transfer Disclosure Statement

California generally requires a Real Estate Transfer Disclosure Statement (“TDS”) in many transfers of residential real property containing one to four dwelling units, subject to statutory exemptions.

A direct cash or investor sale is not automatically exempt merely because:

14. TDS Timing

For a conventional covered sale, the TDS generally must be delivered as soon as practicable before transfer of title.

Certain real-property-sales-contract, lease-option, ground-lease, and similar arrangements have separate timing rules.

Applicable disclosure documents should be provided as early as practicable.

15. Late TDS and Buyer Termination Rights

If a required disclosure or material amendment is delivered after execution of the buyer’s offer, California law generally gives the prospective buyer:

to terminate the offer by written notice.

Nothing in these Terms shortens an applicable statutory termination right.

16. TDS Requirements Cannot Simply Be Waived

California law provides that a waiver of the statutory TDS requirements is void against public policy where the statute applies.

Accordingly, labels such as:

do not by themselves eliminate a legally required TDS.

17. TDS Exemptions

California provides specific exemptions for certain transfers, including qualifying:

An exemption should be confirmed for the actual transaction rather than assumed.

18. Fire Damage and Seller Disclosure

Fire-related conditions can be material to a purchaser even where a statutory form does not separately list every historical fire event.

A fire can affect:

Known material fire-related conditions should not be concealed or misrepresented.

19. Material Facts

California’s disclosure framework preserves duties concerning material facts affecting the value or desirability of property.

An as-is purchase does not authorize fraud, concealment, or intentional misrepresentation.

20. No Universal Fire-Document Package

California does not impose one universal requirement that every seller automatically give every buyer every:

A particular record may nevertheless be:

21. California Natural Hazard Disclosure Statement

California separately requires a Natural Hazard Disclosure Statement (“NHD”) in qualifying residential transactions.

The NHD addresses specified hazards including:

The specific parcel should be evaluated using current official hazard information.

22. Actual Fire Damage Is Different From Fire Hazard Zoning

Historical fire damage and statutory Fire Hazard Severity Zone classification are different concepts.

A Fresno property can:

Disclosure and marketing should address the actual facts.

23. Wildfire Disclosure for Certain Pre-2010 Homes

Where property subject to California’s residential disclosure law is located in a High or Very High Fire Hazard Severity Zone and the home was constructed before January 1, 2010, Civil Code section 1102.6f can impose additional wildfire-hardening disclosures.

For transactions on or after July 1, 2025, the seller’s disclosure also identifies which statutorily listed low-cost retrofits, if any, were completed during the seller’s ownership.

This requirement depends on the actual parcel and property characteristics.

24. As-Is Transactions

The Website advertises purchasing properties in their current condition.

“As-is” may mean that the purchaser will not require the seller to perform repairs before closing.

It does not automatically eliminate:

25. No Universal Requirement to Repair Before Sale

California does not impose one statewide rule requiring every fire-damaged residence to be completely restored before it can be sold.

A fire-damaged property may potentially be transferred in its present condition.

However, local building, nuisance, occupancy, safety, and permit requirements may require repair, stabilization, securing, or demolition independently of the sale.

26. Fresno’s 90-Day Fire-Damaged Building Rule

The City of Fresno specifically regulates fire-damaged residential buildings that are not safe and legal to occupy.

Such a building generally must be:

within 90 days after the fire.

The City’s Director may grant a continuance where satisfactory documentation shows that delay was not the owner’s fault and the owner made good-faith efforts to complete the repair or demolition within the required period.

Until demolition or repairs are complete, the property owner must secure the building against unauthorized access.

27. Sale Does Not Automatically Reset the 90-Day Requirement

A sale or transfer should not be assumed to:

Before closing, the parties should determine the current status of all Fresno code-enforcement requirements.

28. Fresno Hazardous-Structure Enforcement

Fresno Code Enforcement specifically evaluates:

Where an owner fails to remedy a qualifying condition, the City may pursue renovation, abatement, or demolition through applicable procedures.

29. Securing a Vacant Fire-Damaged Building

A fire-damaged or vacant building should be secured against unauthorized access where required.

Applicable measures may include:

A sale does not eliminate a current securing requirement.

30. Fresno Building Permits

The City of Fresno generally requires permits for covered work involving:

Fire restoration can therefore involve multiple permit categories depending on the damage.

31. Fresno Fire-Protection-System Permits

A City building demolition permit does not automatically authorize demolition or alteration of a regulated fire-protection or life-safety system.

Where a project affects such systems, a separate Fresno Fire Department permit may be required.

This can apply to work involving fire alarms, sprinklers, suppression equipment, or other regulated systems.

32. Current Building and Fire Codes

California’s 2025 Building Standards Code became effective January 1, 2026.

Fresno adopted the 2025 California Fire Code with local amendments for its current code cycle.

Repair or reconstruction work should comply with the codes applicable when permits are issued, including applicable local amendments.

33. Construction Without Permits

Fresno Code Enforcement monitors construction, alteration, repair, or demolition for which permits are legally required.

Purchasing property as-is does not authorize:

34. City Liens and the Fresno Lien Waiver Program

A fire-damaged or distressed property may carry City code-enforcement liens, fines, citations, or abatement costs.

Fresno operates a Code Lien Waiver Program through which a prospective purchaser may contact the City before purchase, obtain a summary of qualifying liens, propose a scope of work to bring the property into compliance, and potentially enter a lien-waiver agreement.

Eligibility, amounts, deadlines, and approval are determined by the City.

Nothing on the Website guarantees that a lien will be waived.

35. Cleanup and Restoration

The Website advertises that cleanup may be handled as part of its transaction process.

Any:

must comply with applicable:

Nothing in these Terms represents that we personally perform regulated contracting services unless legally authorized to do so.

36. California Contractor Licensing

California separately regulates contracting work.

Where repair, demolition, restoration, remediation, or reconstruction requires an appropriately licensed contractor, the work must be performed by a properly licensed person or entity unless a lawful exemption applies.

Buying the property does not itself authorize regulated contracting work.

37. Inspections and Due Diligence

Although the Website advertises eliminating costly traditional inspection requirements for the seller, a purchaser may still conduct due diligence permitted by the transaction documents.

Due diligence may include:

The seller is not promised that every transaction will proceed without buyer diligence.

38. Offer and Closing Timing

The Website advertises a rapid transaction and says a cash offer may be provided within a matter of days.

Any statement concerning:

describes a potential transaction structure rather than a guarantee.

Actual timing may depend on:

39. Fair and Competitive Offer Claims

The Website describes its offers as fair or competitive.

Those statements should not be interpreted as a guarantee that:

The executed purchase agreement controls the actual price and terms.

40. Zero Fees and Agent Commissions

The Website advertises no traditional agent commissions or hidden seller fees.

Where a genuine direct sale occurs without a listing broker, a conventional listing commission may not apply.

If a licensed real estate professional participates, any compensation obligations are governed by applicable:

41. California Real Estate Licensing

California generally requires a real estate broker license where a person, for compensation or in expectation of compensation, acts for another to:

The actual relationship and conduct control.

42. Principal Purchaser Versus Broker

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

The Website currently represents us as a direct buyer.

Nothing in these Terms authorizes anyone to avoid California licensing requirements merely by calling themselves:

The actual conduct controls.

43. California Wholesaling

As of October 7, 2026, California has not enacted the wholesaling-specific licensing regime proposed in Assembly Bill 1850.

AB 1850 remains pending after being held under submission in Assembly Appropriations on May 14, 2026.

Accordingly, these Terms do not represent the proposed AB 1850 requirements as current law.

44. Existing Brokerage Law Still Applies to Assignments

The absence of an enacted wholesaler-specific statute does not mean every assignment or wholesaling arrangement is automatically lawful without a real estate license.

Relevant circumstances include:

45. Contractual Interest Is Not Legal Title

Holding a:

is different from holding legal title.

A contract holder should not falsely state that:

46. Assignment Depends on the Contract

Whether a California purchase agreement may be assigned depends on:

Nothing on the Website guarantees that a contract may be assigned.

47. Property Already in Foreclosure

California provides especially strong protections where an investor purchases a qualifying owner-occupied residence after a notice of default has been recorded.

Such a transaction may fall under California’s Home Equity Sales Contract Act.

These rules are separate from ordinary seller-disclosure law.

48. Residence in Foreclosure

A covered residence in foreclosure generally involves:

A covered investor acquiring the residence can become an “equity purchaser.”

49. Home Equity Sales Contract Requirements

A covered home-equity purchase contract is subject to detailed statutory requirements.

Among other things, it generally must:

50. Five-Business-Day Equity-Seller Cancellation Right

A covered equity seller generally may cancel a home-equity sales contract until the earlier of:

Nothing in these Website Terms limits that statutory right.

51. Restrictions During the Cancellation Period

Until the statutory cancellation period fully expires, a covered equity purchaser generally may not engage in prohibited conduct including specified:

The applicable statutory process must be followed.

52. No Misleading Foreclosure-Sale Representations

A covered equity purchaser may not make false or misleading statements regarding matters such as:

53. California Foreclosure Consultants

California separately regulates mortgage foreclosure consultants.

A person can fall within that law where, for compensation, the person represents that services will:

A principal purchaser should not simultaneously portray itself as the homeowner’s paid foreclosure consultant unless the separate relationship complies with applicable law.

54. Five-Business-Day Foreclosure-Consultant Cancellation Right

A covered foreclosure-consultant contract generally gives the homeowner the right to cancel until midnight of the fifth business day after signing a compliant contract.

The agreement must contain legally required cancellation information and forms.

55. No Advance Foreclosure-Consultant Compensation

A covered foreclosure consultant generally may not collect compensation until the consultant has fully performed all services contracted or represented to be performed.

56. Foreclosure Consultant Cannot Acquire the Client’s Residence

A covered foreclosure consultant generally may not acquire an interest in the residence in foreclosure from an owner with whom the consultant has contracted.

A direct purchaser should therefore preserve a clear distinction between:

57. 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 all applicable deadlines.

58. Federal Mortgage-Assistance Rules

If a separate service constitutes mortgage-assistance-relief services under federal law, federal requirements can regulate:

59. No Foreclosure-Rescue Guarantees

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

60. Multilingual Contract Requirements

California provides special protections where specified transactions are negotiated primarily in certain languages.

Where Civil Code section 1632 applies and negotiations are conducted primarily in:

a translation of the contract or agreement may be required before execution.

Any multilingual Website, call center, or acquisition process should preserve those statutory rights.

61. Probate, Estate, Trust, and Inherited Property

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

A transaction may require:

Certain fiduciary transfers can qualify for TDS exemptions, but exemptions should be evaluated transaction by transaction.

62. 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:

63. Pending Insurance Claims

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

64. Insurance Rights Do Not Automatically Transfer

A property sale does not automatically transfer:

Those issues depend on:

65. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

A homeowner seeking assistance negotiating an insurance claim should use an appropriately licensed professional or attorney where required.

66. Fire and Investigation Records

California law may permit property owners, victims, authorized representatives, insurers, and other specified persons to obtain certain records concerning a fire incident from applicable public agencies.

Availability of a record does not mean every investigative document must automatically be supplied to a purchaser.

67. Recent Investor Resales and Repair Disclosure

California imposes additional disclosure obligations in specified sales of single-family residential property where:

Where the rule applies, the seller must provide information concerning qualifying:

This can be especially relevant where an investor buys, repairs, and quickly resells a fire-damaged house.

68. Tenant-Occupied Property

A sale does not, by itself, automatically terminate every lawful tenancy.

Where a property is occupied or recently vacated, a purchaser should evaluate:

A property that appears empty after a fire should not automatically be treated as legally vacant.

69. 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 those federal requirements.

70. Common Interest Developments

If the property is located in a California condominium, planned development, stock cooperative, or another qualifying common-interest development, separate disclosure obligations may apply concerning:

71. 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.

72. California Recording Law

California generally prohibits intentionally recording a confidential communication without the consent of all parties, subject to statutory exceptions.

Confidential acquisition calls should therefore not be silently recorded solely because one participant consents.

Where a communication is recorded, appropriate notice should be given and legally sufficient consent obtained from all participants.

73. Text Messages

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

Where 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.

74. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will provide an unsubscribe mechanism.

75. 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 a particular form, language, or manner.

76. Privacy

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

77. Independent Decision-Making

Selling fire-damaged property can have substantial:

You may wish to consult:

78. No Professional Advice

Website content does not constitute individualized:

79. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

If a licensed California real estate professional participates, applicable agency and representation documents control.

80. Acceptable Use

You may not:

81. Intellectual Property

Unless otherwise stated, the Website and its original:

are owned by or licensed to I Buy Houses With Fire Damage Fresno.

You may not commercially reproduce protected Website content without authorization.

82. Third-Party Websites and Services

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

83. Website Availability

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

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

84. No Guarantee of Transaction

We do not guarantee:

85. Marketing Claims

Website statements describing our offers or process as:

describe intended service characteristics and do not guarantee a particular financial result.

The executed transaction documents control.

86. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

87. 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.

88. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE FRESNO 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:

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

89. 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.

90. Indemnification

To the extent permitted by law, you agree to indemnify I Buy Houses With Fire Damage Fresno from claims arising from your:

91. Governing Law

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

92. 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 California.

These Website Terms do not impose mandatory arbitration.

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

93. Non-Waivable California and Fresno Rights

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

94. Transaction Agreements Control

These Website Terms do not replace:

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

95. 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.

96. 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.

97. No Waiver

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

98. 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:

99. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

100. Contact Us

Questions concerning these Terms may be directed to:

I Buy Houses With Fire Damage Fresno
Fresno, California
United States

Website: ibuyhouseswithfiredamagefresno.com