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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 ibuyfiredamagedhomescapecoralflorida.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Cape Coral Florida (“we,” “us,” or “our”).

By accessing the Website, submitting property information, requesting a cash 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. Our Role

The Website currently presents our business principally as a direct cash purchaser of fire-damaged Cape Coral property.

Depending on the transaction, we may act as:

Our actual role depends on the transaction documents and conduct.

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

3. Direct Purchase Model

Where we seek to purchase property for our own account:

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 execute a legally enforceable transaction agreement, subject to applicable cancellation, rescission, or other 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 every owner.

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 having lawful authority to do so.

Nothing on the Website authorizes:

8. Property Research

We may research:

9. Property Assessments

The Website states that we assess the property’s damage and value before making an offer.

An 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 concerning property condition.

10. Preliminary Offers

Any preliminary:

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

An offer may change after due diligence.

11. Offer Methodology

Potential offers may consider:

No particular valuation method or purchase price is guaranteed.

12. Binding Transactions

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

Closing may depend on:

13. Florida Does Not Require One Universal General Seller-Condition Form

Florida does not impose one universal statutory property-condition questionnaire that every ordinary residential seller must complete for every resale.

That does not mean sellers may conceal known material defects.

Florida’s seller-disclosure obligations arise substantially from common law, specific statutes, contractual representations, condominium or association law, flood-disclosure rules, federal law, and other property-specific requirements.

14. Florida’s Material Latent Defect Rule

Under Florida law, when a seller of residential property knows of facts that:

the seller generally has a duty to disclose those facts.

This rule applies to new and used property.

15. Fire Damage Can Be a Material Fact

A prior fire can create facts materially affecting property value or desirability, including:

A known latent fire-related condition should not be concealed merely because the property is being sold to an investor.

16. No Universal Requirement to Disclose Every Historical Fire Event

Florida’s common-law rule is focused on known material facts affecting value that are not readily observable or already known to the buyer.

It does not create one universal statutory requirement to provide a written history of every minor or fully resolved fire incident regardless of materiality.

However, false, misleading, incomplete, or deceptive statements about fire history can create separate legal risk.

17. No Universal Fire-Document Package

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

to every purchaser.

A particular record may nevertheless be:

18. As-Is Transactions

The Website advertises purchase in the property’s present or “as-is” condition.

“As-is” may mean the purchaser agrees that the seller does not have to perform specified repairs.

It does not authorize:

19. Florida Flood Disclosure

Florida separately requires a statutory Flood Disclosure for sales of residential real property.

The seller generally must complete and provide the statutory disclosure to the purchaser at or before the time the sales contract is executed.

20. Information Required by the Flood Disclosure

The Florida flood disclosure presently asks whether the seller has knowledge of:

The disclosure also warns buyers that ordinary homeowners insurance does not include flood coverage.

21. Meaning of Flooding

For Florida’s statutory disclosure, flooding generally includes qualifying inundation caused by:

Firefighting-water damage is not automatically the same thing as statutory flood damage merely because water entered the building.

The actual cause matters.

22. Cape Coral Flood Risk

Because substantial areas of Cape Coral are subject to federal and local floodplain regulation, flood status should be reviewed independently from fire damage.

A property may:

Each issue should be analyzed separately.

23. Cape Coral Special Flood Hazard Area Repairs

The City of Cape Coral states that all improvements and repairs of structures located in the Special Flood Hazard Area require a permit.

The City’s process also requires a Substantial Improvement/Substantial Damage application for affected structures.

This can apply even where the original cause of damage was fire rather than flood.

24. Cape Coral Substantial Damage Rule

Cape Coral applies the federal floodplain 50% rule.

A structure can be substantially damaged where the cost to restore it to its pre-damage condition equals or exceeds 50% of the market value of the structure before the damage occurred.

The cause of the damage can include:

25. Consequences of Substantial Damage

If a building in the regulated floodplain is determined to be substantially damaged, the building generally must be brought into compliance with current flood-damage-prevention requirements applicable to new buildings.

Depending on the property, this can materially affect:

26. Repair-Cost Calculations

For Cape Coral’s substantial-damage review, repair-cost estimates can need to include the labor and materials necessary to restore the structure to its pre-damage condition.

Investor underwriting should therefore not assume that performing only a limited portion of the required repair work necessarily avoids the City’s substantial-damage analysis.

27. Unpermitted Repairs

Cape Coral states that if work requiring a permit was completed without one, an owner may need to obtain an applicable after-the-fact permit to bring the structure into compliance.

The City identifies remodel-permit issues involving work such as:

A sale does not automatically legalize previously unpermitted repairs.

28. Cape Coral Permitting Process

Cape Coral currently uses an online-first permitting process through its electronic permitting portal.

Licensed contractors are required to submit permits electronically, and beginning July 1, 2026 owner-builders are also expected to use the online portal as the standard application method.

Actual permit requirements depend on the work being performed.

29. No Universal Requirement to Repair Before Sale

Florida does not impose one statewide rule requiring every fire-damaged house to be completely restored before ownership can transfer.

A damaged property may potentially be sold in its current condition.

Separate:

may nevertheless affect the property.

30. Contractor Licensing

Florida separately regulates construction contracting.

Where fire repair, demolition, electrical work, plumbing, mechanical work, roofing, or other construction requires a licensed contractor, the work must be performed or supervised as required by applicable law.

Purchasing a property does not itself authorize regulated contracting activity.

31. Inspections and Due Diligence

The Website states that it may handle inspections and property assessment as part of its acquisition process.

A purchaser may conduct due diligence including:

These evaluations are ordinarily for the purchaser’s acquisition purposes unless a separate agreement states otherwise.

32. Fast Offer and Closing Claims

The Website advertises:

Those statements describe intended or possible service timing and are not guarantees.

Actual timing may depend on:

33. “Fair Market Value” and Competitive Offer Claims

The Website states that its offers reflect “fair market value” and describes them as fair or competitive.

Those statements should not be interpreted as guarantees that:

Investment offers can account for repairs, risk, holding expenses, acquisition costs, resale expenses, and expected return.

The executed purchase agreement controls the actual purchase price.

34. No Commissions or Hidden Fees

The Website advertises no commissions and no hidden fees.

Where a genuine principal purchaser buys directly from a seller without a listing broker, a traditional listing commission may not apply.

If a real estate licensee becomes involved, compensation obligations depend on:

The final closing statement and signed agreements control actual charges.

35. Florida Real Estate Licensing

Florida broadly regulates real estate brokerage activity performed for another and for compensation or expected compensation.

Regulated conduct can include:

when done for another for compensation or expected compensation.

36. Principal Purchaser Versus Broker

A genuine principal purchaser acquiring property for its own account is differently situated from a person acting as an intermediary for another.

Florida separately exempts qualifying persons or entities when they sell, exchange, or lease their own real property, subject to statutory limits.

Nothing in these Terms means that merely calling oneself an investor or wholesaler automatically exempts brokerage conduct performed for another.

37. Florida Wholesaling and Contract Assignments

As of October 7, 2026, Florida does not maintain a separate comprehensive residential-wholesaler registration and seller-cancellation statute comparable to the dedicated wholesaling laws adopted by several other states.

That does not mean every wholesaling arrangement is outside Florida real estate licensing law.

38. Wholesaling Must Be Structured as Principal Activity

Relevant considerations can include:

39. Contractual Interest Is Not Legal Title

Holding a:

is different from holding record legal title.

A contract holder should not falsely state that:

40. Assignment Depends on the Contract

Whether a purchase agreement may be assigned depends on:

Nothing on the Website guarantees assignability.

41. Unlicensed Brokerage

Florida prohibits operation as a real estate broker or sales associate without the required active license.

Accordingly, a direct-acquisition business should avoid accepting compensation for brokerage activity performed for other sellers, buyers, or investors unless the activity is lawfully conducted through an appropriate license or exemption.

42. Foreclosure and Financial Distress

The Website may attract homeowners who are:

We are not your:

unless a separate legally compliant relationship expressly establishes otherwise.

43. Florida Foreclosure-Rescue Law

Florida specifically regulates certain activities involving homeowners who are:

The law distinguishes ordinary property purchases from covered foreclosure-rescue consulting and foreclosure-rescue transactions.

44. Foreclosure-Related Rescue Services

A person can become a regulated foreclosure-rescue consultant if, for payment or valuable consideration, that person offers services represented as helping a homeowner:

A principal purchaser should not portray an ordinary acquisition as paid foreclosure-rescue consulting.

45. Written Foreclosure-Rescue Consulting Agreement

A covered Florida foreclosure-rescue consultant generally may not begin covered services without first executing a compliant written agreement.

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

The agreement is subject to statutory formatting, disclosure, compensation, and cancellation requirements.

46. Three-Business-Day Foreclosure-Consulting Cancellation Right

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

The cancellation right cannot be waived by the homeowner or limited by the consultant.

47. No Advance Foreclosure-Rescue Fees

A covered foreclosure-rescue consultant generally may not charge, collect, receive, or attempt to secure payment before completing all services promised in the agreement.

48. Florida Foreclosure-Rescue Transactions

Florida separately regulates a foreclosure-rescue transaction in which:

An ordinary permanent arm’s-length sale where the former homeowner receives no promised continuing interest is different from this statutory structure.

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

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

The right cannot be waived.

The statutory agreement must contain the required cancellation notice and forms.

50. Covered Foreclosure-Rescue Contract Requirements

A covered foreclosure-rescue transaction agreement generally must disclose matters including:

Website Terms do not replace those documents.

51. Repurchase and Sale-Leaseback Protections

Where a covered foreclosure-rescue transaction gives the homeowner a right to repurchase the property, additional Florida protections apply.

Those protections can include:

52. Lease-Option and Reconveyance Presumption

Florida law creates a rebuttable presumption in specified foreclosure-rescue transactions involving a lease option or similar repurchase arrangement that the transaction is a loan transaction and the homeowner’s conveyance is a mortgage.

Accordingly, “sell now, remain in the home, and buy it back later” structures require specialized Florida legal review.

53. Requesting an Offer Does Not Stop Foreclosure

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

Homeowners facing foreclosure should independently verify all deadlines.

54. No Foreclosure-Rescue Guarantees

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

55. Federal Mortgage-Assistance Rules

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

56. Probate, Estate, Trust, and Inherited Property

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

A transaction may require:

57. Florida Homestead

Florida homestead rights can create additional execution, spousal, devise, creditor, and title considerations.

A seller should not assume that one owner can always convey homestead property without the signatures or procedures required by Florida law.

Actual title and marital status should be reviewed by the closing professional.

58. 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 separately established through a legally compliant relationship.

Property owners are responsible for understanding:

59. Pending Insurance Claims

If property is sold while a fire or other insurance claim remains pending, the transaction documents should address the parties’ respective rights concerning:

60. Insurance Rights Do Not Automatically Transfer

The sale of real property does not automatically transfer:

Those issues depend on policy language, applicable insurance law, timing of the loss, mortgage-holder rights, insurer requirements, and transaction documents.

61. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

A homeowner seeking professional assistance negotiating an insurance claim should work with an appropriately licensed public adjuster or attorney where required.

62. Flood Insurance

Ordinary homeowners insurance generally does not include flood coverage.

The Website and any acquisition representative should avoid suggesting that a fire policy, homeowners policy, or property purchase automatically resolves flood-insurance issues.

Flood coverage, prior NFIP claims, FEMA assistance, and future insurability should be evaluated separately where relevant.

63. Condominiums and Homeowners Associations

If the property is located in a Florida condominium, cooperative, or homeowners association, separate disclosure, estoppel, assessment, governing-document, insurance, structural-inspection, reserve, and association requirements may apply.

Those requirements are separate from fire-damage disclosure and should be evaluated for the particular community.

64. Tenant-Occupied Property

The sale of tenant-occupied property does not itself automatically terminate a valid tenancy.

A purchaser should evaluate:

A property that appears vacant after a fire should not automatically be assumed free of tenant-related rights.

65. 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 applicable federal obligations.

66. 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.

67. Florida Recording Law

Florida generally requires the prior consent of all parties to intentionally record a private wire, oral, or electronic communication, subject to statutory exceptions.

Acquisition calls therefore should not be silently recorded solely because the business participates in the call.

Where recording is used, appropriate notice and consent procedures should be implemented.

68. 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.

69. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will provide an unsubscribe mechanism.

70. 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 manner.

71. Privacy

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

72. Independent Decision-Making

Selling fire-damaged property can have significant:

You may wish to consult:

73. No Professional Advice

Website content does not constitute individualized:

74. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

If a licensed Florida real estate professional participates, applicable brokerage and professional documentation controls.

75. Acceptable Use

You may not:

76. Intellectual Property

Unless otherwise stated, the Website and its original:

are owned by or licensed to I Buy Houses With Fire Damage Cape Coral Florida.

You may not commercially reproduce protected Website content without authorization.

77. Third-Party Websites and Services

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

78. Website Availability

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

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

79. No Guarantee of Transaction

We do not guarantee:

80. Marketing Claims

Website statements describing the transaction as:

describe intended or possible service characteristics and do not guarantee a particular financial outcome.

The signed transaction documents control.

81. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

82. 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.

83. Limitation of Liability

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

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

84. 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.

85. Indemnification

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

86. Governing Law

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

87. 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.

88. Non-Waivable Florida Rights

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

89. Transaction Agreements Control

These Website Terms do not replace:

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

90. 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.

91. 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.

92. No Waiver

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

93. Assignment

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

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

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

Assignment of a purchase agreement is governed by:

94. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

95. Contact Us

Questions concerning these Terms may be directed to:

I Buy Houses With Fire Damage Cape Coral Florida
Cape Coral, Florida
United States

Website: ibuyfiredamagedhomescapecoralflorida.com