Effective Date: October 8, 2026
Last Updated: October 8, 2026
These Terms and Conditions (“Terms”) govern your access to and use of ibuyfiredamagedhomesfontanacalifornia.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Fontana California (“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:
- 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 facing foreclosure;
- Property subject to liens or judgments;
- 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 a potential 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 California real estate professionals where legally required; or
- Decline the opportunity.
Nothing displayed on the Website constitutes a binding offer to purchase real estate.
2. Our Role
The Website presently markets our business principally as a direct cash purchaser of fire-damaged property in Fontana, California.
Depending on a transaction, we may act as:
- A prospective principal purchaser;
- A real estate investor;
- A property-acquisition business;
- A contract purchaser;
- A holder of contractual or equitable rights;
- An affiliate or co-investor with another purchaser; or
- Another lawful transaction participant.
Our actual role depends on the transaction documents and conduct.
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 lender;
- Mortgage servicer;
- Mortgage broker;
- Loan-modification provider;
- Foreclosure consultant;
- Debt-relief provider; or
- Other professional adviser.
3. Direct Purchase Model
The Website states that it purchases fire-damaged homes directly and may purchase property in any condition.
Where we seek to purchase for our own account:
- Our economic interests may differ from the seller’s;
- We may seek a price that accounts for repairs, cleanup, permits, holding expenses, closing costs, risk, and investment return;
- We negotiate for ourselves unless another written relationship expressly provides otherwise; and
- We do not automatically owe the seller duties associated with a seller’s broker, fiduciary, attorney, appraiser, or financial adviser.
4. No Obligation to Sell
Submitting property information or requesting an offer does not obligate you to sell.
A Website form 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 information does not require us to:
- Inspect the property;
- Make an offer;
- Maintain a previous 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 establish authority to bind every owner.
7. Agents, Wholesalers, and Representatives
The Website expressly permits a submitter to indicate:
- “Yes” as owner;
- “No”;
- “I am an Agent”; or
- “I am a Wholesaler.”
A person submitting a property as an agent, wholesaler, contract holder, attorney-in-fact, trustee, personal representative, or other representative is responsible for having lawful authority to do so.
Nothing on the Website authorizes:
- Unlicensed brokerage;
- Misrepresentation of ownership;
- Unauthorized marketing of another person’s property;
- Unauthorized disclosure of another person’s information; or
- Violation of an existing purchase agreement.
8. Property Research
We may research:
- Ownership;
- Recorded deeds;
- Mortgages and deeds of trust;
- Liens;
- Judgments;
- Property taxes;
- Notices of default;
- Notices of trustee sale;
- Property condition;
- Fire and smoke damage;
- Structural condition;
- Roof and foundation;
- Electrical and plumbing systems;
- Heating and cooling;
- Repairs;
- Building permits;
- Fire permits;
- Code-compliance records;
- Insurance claims;
- Tenant status;
- Probate;
- Foreclosure;
- Comparable sales; and
- Other information relevant to evaluating the property.
9. Property Assessments
The Website states that its process may include a quick on-site inspection before the cash offer is made.
An acquisition assessment may include:
- Visual inspection;
- Photography;
- Contractor review;
- Structural review;
- Repair estimates;
- Environmental review;
- Permit research;
- Code-enforcement research;
- Fire-hazard research;
- Title review;
- Insurance review; and
- Other due diligence.
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:
- Cash offer;
- Estimated offer;
- Property valuation;
- Price range;
- Repair estimate; or
- Similar statement
is non-binding unless incorporated into a legally enforceable written transaction agreement.
A preliminary offer may change after due diligence.
11. Offer Methodology
The Website states that offers may consider:
- Comparable market values;
- Extent of fire damage;
- Repair estimates; and
- Property location.
We may also consider:
- Smoke and water damage;
- Structural condition;
- After-repair value;
- Cleanup costs;
- Permit expenses;
- Code issues;
- Holding expenses;
- Taxes;
- Insurance;
- Closing expenses;
- Market conditions;
- Risk; and
- Expected investment return.
No particular purchase price or valuation methodology 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:
- Ownership verification;
- Authority to sell;
- Title;
- Mortgages and deeds of trust;
- Liens;
- Judgments;
- Taxes;
- Seller disclosures;
- Natural-hazard disclosures;
- Property access;
- Due diligence;
- Probate;
- Foreclosure status;
- Insurance;
- Buyer funding;
- Fontana permits or governmental orders;
- Escrow; and
- Other contractual or legal requirements.
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.
The TDS addresses physical property condition, systems, defects, improvements, environmental conditions, and other matters required by California law.
A direct investor purchase is not automatically exempt merely because:
- The transaction is cash;
- The property is sold as-is;
- No traditional listing broker participates;
- The house is fire-damaged; or
- The parties intend to close quickly.
14. Timing of the TDS
For a conventional covered transfer, the TDS generally must be delivered to the prospective buyer as soon as practicable and before transfer of title.
Certain installment sales, lease-options, ground leases, and other transaction structures have separate timing provisions.
Applicable seller disclosures should be supplied as early as practicable.
15. Late TDS and Buyer Termination Rights
If a required TDS or material amendment is delivered only after execution of the buyer’s offer or purchase agreement, California law generally gives the buyer:
- 3 days after personal delivery; or
- 5 days after delivery by mail
to terminate by written notice.
Applicable electronic-delivery rules should be followed where disclosure is transmitted electronically.
Nothing in these Terms shortens any legally applicable termination right.
16. TDS Requirements Cannot Simply Be Waived
Where California’s statutory disclosure rules apply, a seller and investor should not assume they can eliminate those requirements merely by labeling the transaction:
- As-is;
- Cash;
- Investor purchase;
- No-inspection; or
- Fast close.
California restricts waiver of the statutory disclosure regime.
17. TDS Exemptions
California provides specific exemptions for certain transfers, including qualifying:
- Court-ordered transfers;
- Probate-related transfers;
- Foreclosure transfers;
- Transfers to lenders following default;
- Deeds in lieu of foreclosure;
- Bankruptcy transfers;
- Certain fiduciary transfers;
- Co-owner transfers;
- Family transfers;
- Governmental transfers; and
- Other statutorily identified transfers.
An exemption should be verified for the specific transaction.
18. Fire Damage and Seller Disclosure
A structure fire may create current conditions relevant to numerous California disclosure categories, including:
- Structural damage;
- Roof damage;
- Foundation damage;
- Electrical systems;
- Plumbing systems;
- Heating or air conditioning;
- Fireplaces and chimneys;
- Smoke and carbon-monoxide detectors;
- Fire alarms;
- Water intrusion;
- Mold;
- Hazardous substances;
- Alterations;
- Repairs;
- Permit issues; and
- Other matters affecting value or desirability.
Known material fire-related conditions should not be concealed or misrepresented.
19. Material Facts
California disclosure law preserves duties concerning known material facts affecting the value or desirability of real property.
Fire damage may be material depending on:
- Severity;
- Remaining structural impact;
- Electrical impact;
- Water damage;
- Smoke contamination;
- Repair quality;
- Permit status;
- Environmental effects;
- Insurability;
- Habitability; and
- Other circumstances.
20. No Universal Fire-Document Package
California does not impose one universal rule requiring every seller automatically to deliver every:
- Fire-department report;
- Insurance claim file;
- Adjuster report;
- Contractor invoice;
- Engineering report;
- Photograph;
- Repair estimate;
- Permit;
- Environmental report; or
- Inspection record
to every purchaser.
A particular document may nevertheless be:
- Required by contract;
- Relevant to explaining a known condition;
- Requested during due diligence;
- Required by an insurer;
- Required by a lender;
- Required by the City of Fontana; or
- Required under another law.
21. California Natural Hazard Disclosure
California separately requires a Natural Hazard Disclosure Statement (“NHD”) in qualifying residential transactions.
The NHD addresses whether property falls within specified hazard areas, including:
- Special flood hazard areas;
- Dam-inundation areas;
- High or Very High Fire Hazard Severity Zones;
- Wildland areas where applicable;
- Earthquake fault zones; and
- Seismic hazard zones.
The actual Fontana parcel should be evaluated using current official mapping.
22. Historical Fire Damage and Wildfire Hazard Are Different
A house that suffered a structure fire and a house located within a statutory wildfire hazard zone raise separate legal questions.
A Fontana property can:
- Have historical fire damage without being in a High or Very High Fire Hazard Severity Zone;
- Be in a statutory wildfire hazard zone without having suffered a structure fire; or
- Have both conditions.
Website content and transaction disclosures should not treat those concepts as interchangeable.
23. Additional Wildfire Disclosure for Certain Homes
Where property subject to California’s residential transfer-disclosure law is located in a High or Very High Fire Hazard Severity Zone and the home was constructed before January 1, 2010, additional wildfire-hardening disclosure requirements can apply under Civil Code section 1102.6f.
For transactions occurring on or after July 1, 2025, that disclosure also identifies which listed low-cost wildfire retrofits, if any, were completed during the seller’s ownership.
The property’s actual construction date and hazard classification control.
24. As-Is Transactions
The Website prominently advertises purchase of property as-is.
An as-is transaction may mean that the purchaser does not require the seller to make repairs before closing.
“As-is” does not automatically eliminate:
- TDS requirements;
- Natural Hazard Disclosure requirements;
- Wildfire disclosures;
- Fraud liability;
- Concealment liability;
- Material-fact disclosure duties;
- Contractual representations;
- Federal disclosures;
- Foreclosure protections;
- Title obligations;
- Governmental orders; or
- Other non-waivable duties.
25. No Universal Requirement to Repair Before Sale
California does not impose one statewide rule requiring every fire-damaged property to be completely restored before it can be sold.
A property may potentially be transferred in damaged condition.
Separate:
- Building codes;
- Fire codes;
- Unsafe-building determinations;
- Repair permits;
- Electrical permits;
- Plumbing permits;
- Mechanical permits;
- Demolition requirements;
- Occupancy restrictions;
- Environmental requirements;
- Insurance obligations;
- Local ordinances; and
- Contract terms
may nevertheless affect the property.
26. Fontana Building and Safety Requirements
The City of Fontana’s Building & Safety Department administers:
- Building permits;
- Plan checks;
- Inspections;
- Building-code requirements; and
- Local amendments.
Fire-damage repair or reconstruction may therefore require City review depending on the work involved.
27. Fontana’s Current Building Codes
Fontana has adopted the 2025 California Building Standards Code, including the current:
- California Building Code;
- California Residential Code;
- California Electrical Code;
- California Mechanical Code;
- California Plumbing Code;
- California Energy Code;
- California Fire Code; and
- California Green Building Standards Code,
with applicable local amendments.
Repair or reconstruction should comply with the code in effect for the project.
28. Building-Permit Process
Fontana’s current building-permit process generally includes:
- Application and plan submission;
- Authorization and verification; and
- Permit generation.
Depending on the project, drawings or site plans may require plan-check review.
A purchase of the property does not itself authorize construction.
29. Newly Purchased Properties
Fontana’s Building & Safety materials state that owners of newly purchased properties may need to provide proof of ownership when applying for permits.
An acquisition team planning immediate reconstruction should account for title and permitting timing.
30. Owner-Builder Responsibility
Fontana cautions that when a contractor performs work but asks the property owner to obtain the permit, the owner may assume liability for the project, including potential tax and personal-injury consequences.
An owner or investor should not agree to pull permits for another person’s contracting work without understanding the legal consequences.
31. Fontana Fire Prevention
The Fontana Fire Prevention office performs or issues:
- Fire inspections;
- Fire plan checks; and
- Fire permits.
Where a project requires Fire Department review, the City’s current process generally begins with the Building & Safety permit application, followed by referral to Fire Prevention where applicable.
32. Fire Plan Review
Where a Fire Permit is required:
- Plans may require Fire Department review;
- Approval is required before the Fire Permit is issued; and
- Applicable fire and life-safety standards must be satisfied.
The Website should not promise that every repair can proceed without permits or inspections.
33. Fire Sprinklers and Fire Alarm Systems
Depending on the project and property, applicable Fontana fire standards can involve:
- Fire sprinklers;
- Residential sprinkler systems;
- Fire alarms;
- Fire-service infrastructure;
- Fire pumps;
- Suppression systems; and
- Other fire-protection equipment.
The extent of prior fire damage and reconstruction scope can affect the required review.
34. Unsafe Buildings and Code Compliance
Fontana’s Code Compliance program addresses conditions including:
- Unsafe buildings or structures;
- Accessible unoccupied buildings;
- Illegal occupancy;
- Property-maintenance violations; and
- Other health or safety issues.
A sale does not automatically:
- Cancel a code violation;
- Legalize unpermitted work;
- Restore lawful occupancy;
- Remove a government order; or
- Resolve unsafe conditions.
Known governmental requirements should be addressed in transaction diligence and documents.
35. Cleanup and Restoration
The Website says it may handle cleanup as part of the acquisition.
Any:
- Debris removal;
- Demolition;
- Construction;
- Asbestos work;
- Lead-related work;
- Hazardous-material handling;
- Environmental remediation; or
- Other regulated service
must comply with applicable:
- Contractor licensing;
- Environmental requirements;
- Worker-safety requirements;
- Disposal requirements;
- Permits; and
- Other law.
Nothing in these Terms represents that we personally perform regulated contractor services unless legally authorized.
36. California Contractor Licensing
California separately regulates construction contracting.
Where fire restoration, demolition, remediation, reconstruction, or another project requires an appropriately licensed contractor, the work must be performed through a properly licensed person or entity unless a lawful exemption applies.
Purchasing property does not itself authorize regulated contracting activity.
37. Inspections and Due Diligence
The Website advertises that sellers do not need to perform repairs before selling.
That does not prevent us from conducting our own due diligence.
Due diligence may include:
- On-site inspection;
- Structural evaluation;
- Contractor estimates;
- Fire-damage assessment;
- Electrical evaluation;
- Environmental review;
- Mold investigation;
- Permit research;
- Code-compliance research;
- Fire-hazard research;
- Title review;
- Insurance review; and
- Other investigation.
38. 24-Hour Offer Advertising
The Website states that it may present a cash offer within approximately 24 hours following evaluation.
That statement describes intended or potential service timing and is not a contractual guarantee.
Additional research, access, title issues, property complexity, or other circumstances may delay an offer.
39. Seven-Day Closing Advertising
The Website advertises closing in as little as approximately 7 days.
That timing is not guaranteed.
Actual closing may depend on:
- Ownership;
- Title;
- Mortgages;
- Liens;
- Judgments;
- Seller disclosures;
- Natural-hazard disclosures;
- Foreclosure;
- Probate;
- Insurance;
- Property access;
- Government orders;
- Escrow;
- Buyer funding; and
- Other circumstances.
The executed purchase agreement controls the closing date.
40. Closing Costs, Fees, and Commissions
The Website currently states that:
- There are no seller fees or commissions; and
- The buyer covers all closing costs.
Where those terms are offered, the executed purchase agreement, escrow instructions, and settlement statement control.
Website advertising does not override transaction documents.
41. Fair, Competitive, and Market-Value Claims
The Website describes its offers as:
- Fair;
- Competitive;
- Transparent; and
- Based on market value and condition.
Those descriptions do not guarantee that an offer:
- Equals appraised fair market value;
- Equals the property’s repaired retail value;
- Exceeds all competing offers;
- Is the highest price another buyer might pay; or
- Produces the same net proceeds as a conventional market sale.
The seller should evaluate the actual proposed price and terms.
42. 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:
- Sell or offer to sell real property;
- Buy or offer to buy real property;
- Solicit prospective sellers or buyers;
- Obtain listings; or
- Negotiate the purchase, sale, or exchange of real property.
The actual relationship and conduct control.
43. Principal Purchaser Versus Broker
A genuine principal purchaser acquiring property for its own account is differently situated from a person performing brokerage activity for another for compensation.
Nothing in these Terms authorizes someone to avoid licensing law simply by describing themselves as:
- An investor;
- Cash buyer;
- Wholesaler;
- Acquisition specialist; or
- Consultant.
The actual conduct controls.
44. California Wholesaling
As of October 8, 2026, California has not enacted the proposed wholesaling-specific licensing and disclosure regime contained in Assembly Bill 1850.
AB 1850 remains pending after being held under submission in the Assembly Appropriations Committee on May 14, 2026.
Its proposed requirements should not be represented as current California law.
45. Existing Brokerage Law Still Applies
The absence of a special enacted wholesaling statute does not mean that every contract assignment is automatically outside California’s existing licensing law.
Relevant considerations can include:
- Whether the person genuinely entered the purchase contract as principal;
- Whether an enforceable contractual interest exists;
- Whether the agreement permits assignment;
- What is being advertised;
- Whether the person markets another owner’s property;
- Whether ownership is misrepresented;
- Whether negotiations are conducted for another person;
- Whether sellers or buyers are solicited for another; and
- Whether compensation is received for brokerage services.
46. Contractual Interest Is Not Legal Title
Holding a:
- Purchase contract;
- Option;
- Assignment right; or
- Equitable interest
is different from holding record legal title.
A contract holder should not falsely represent that:
- It is the deed owner;
- It holds legal title;
- It has already acquired the property;
- It is transferring legal title when only contractual rights are being transferred; or
- It has rights beyond those granted by the contract.
47. Assignment Depends on the Contract
Whether a purchase agreement may be assigned depends on:
- Contract language;
- Anti-assignment provisions;
- Required consent;
- California contract law;
- Existing licensing requirements;
- Foreclosure-related protections; and
- Other applicable law.
Nothing on the Website guarantees that a particular contract is assignable.
48. Homes Already in Foreclosure
California provides particularly strong protections when an investor purchases a qualifying owner-occupied residence after a notice of default has been recorded.
These transactions may fall under California’s Home Equity Sales Contract Act.
The rules are separate from ordinary seller-disclosure obligations.
49. Covered Residence in Foreclosure
A covered residence generally involves residential property:
- Containing one to four dwelling units;
- Occupied by the owner as the owner’s principal residence; and
- Subject to a recorded notice of default.
A covered investor acquiring the residence can be treated as an “equity purchaser.”
50. Home Equity Sales Contract Requirements
A covered home-equity purchase contract is subject to detailed statutory requirements.
Among other things, a compliant agreement generally must:
- Be written;
- Use specified type formatting;
- Be in the language principally used in negotiations;
- Be completely filled in;
- Be signed and dated;
- Include prescribed transaction information; and
- Include required notices and cancellation forms.
51. Five-Business-Day Equity-Seller Cancellation Right
A covered equity seller generally may cancel until the earlier of:
- Midnight of the fifth business day after signing a compliant agreement; or
- 8:00 a.m. on the date scheduled for the foreclosure sale.
Nothing in these Terms limits that statutory right.
52. Restrictions During the Cancellation Period
Until the cancellation period expires, California restricts specified actions by a covered equity purchaser, including premature:
- Conveyance;
- Recording;
- Transfer;
- Encumbrance; and
- Payment activity.
Transaction procedures must follow the statute.
53. No Misleading Statements to an Equity Seller
A covered equity purchaser may not make false or misleading representations concerning matters such as:
- Property value;
- Sale proceeds;
- Contract terms;
- Cancellation rights;
- Legal consequences; or
- Documents being signed.
54. California Foreclosure Consultants
California separately regulates mortgage foreclosure consultants.
A person can become a covered foreclosure consultant when, for compensation, the person represents that services will help:
- Stop or postpone foreclosure;
- Obtain forbearance;
- Obtain reinstatement;
- Obtain waiver of acceleration;
- Obtain financing;
- Reduce foreclosure-related credit damage;
- Save the residence; or
- Provide other covered foreclosure assistance.
A direct purchaser should not simultaneously portray itself as the homeowner’s paid foreclosure consultant unless separately operating in compliance with that law.
55. Five-Business-Day Foreclosure-Consultant Cancellation
A covered California foreclosure-consultant agreement generally must provide that the homeowner may cancel the transaction until midnight of the fifth business day after the date of the transaction.
Required statutory notices and cancellation forms must be used where applicable.
56. Advance Compensation and Property Acquisition
California restricts advance compensation for covered foreclosure-consulting services.
A foreclosure consultant is also subject to restrictions concerning acquisition of interests in the client’s residence.
A cash-purchase operation should maintain a clear distinction between:
- Purchasing the property for its own account; and
- Providing compensated foreclosure-relief services.
57. Requesting a Cash Offer Does Not Stop Foreclosure
Submitting information, receiving an offer, or negotiating a purchase does not automatically:
- Stop a trustee sale;
- Cancel a notice of default;
- Extend a foreclosure deadline;
- Cure default;
- Reinstate a loan;
- Modify a mortgage;
- Create forbearance; or
- Require a lender or servicer to delay foreclosure.
Homeowners facing foreclosure should independently determine all applicable deadlines.
58. 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 California or the federal government;
- We guarantee foreclosure will stop;
- We guarantee a loan modification;
- We will negotiate your mortgage as your adviser;
- You should stop contacting your lender;
- You should stop making legally required payments; or
- Selling to us is your only available option.
59. Federal Mortgage-Assistance Rules
If a separate service constitutes mortgage-assistance-relief services under federal law, additional rules can regulate:
- Advance fees;
- Advertising;
- Required notices;
- Communications with lenders and servicers; and
- Consumer acceptance.
60. Multilingual Contracts
California provides special protections where specified transactions are negotiated principally in certain languages.
Where Civil Code section 1632 applies and negotiations occur primarily in:
- Spanish;
- Chinese;
- Tagalog;
- Vietnamese; or
- Korean,
a translation of the agreement may be required before execution.
The Website’s language-selection functionality does not eliminate these obligations.
61. Probate, Estate, Trust, and Inherited Property
Submitting inherited, estate, probate, or trust property does not establish authority to sell.
A transaction may require:
- Executor authority;
- Administrator authority;
- Personal-representative authority;
- Trustee authority;
- Court documentation;
- Participation of heirs or beneficiaries;
- Appropriate deeds; or
- Other proof of authority.
Certain fiduciary transfers may qualify for disclosure exemptions, but exemptions are transaction-specific.
62. Insurance Claims and Fire-Damage Proceeds
The Website asks property owners whether an insurance payout has been received.
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:
- Insurance coverage;
- Proof-of-loss requirements;
- Claim deadlines;
- Insurance proceeds;
- Repair obligations;
- Mortgage-holder rights;
- Recoverable depreciation;
- Additional living expenses;
- Assignment restrictions;
- Salvage rights; and
- Policy conditions.
63. Insurance Proceeds Do Not Automatically Transfer
Selling the property does not automatically transfer:
- The seller’s insurance policy;
- A pending claim;
- Insurance proceeds;
- Recoverable depreciation; or
- Other policy rights.
Those matters depend on:
- Policy language;
- Applicable insurance law;
- Timing of the loss;
- Mortgagee rights;
- Insurer requirements; and
- Transaction documents.
64. Pending Insurance Claims
If property is sold while an insurance claim remains pending, transaction documents should address the parties’ rights concerning:
- Existing proceeds;
- Supplemental proceeds;
- Recoverable depreciation;
- Future payments;
- Additional claims;
- Repair obligations;
- Salvage; and
- Related benefits.
65. Public Adjusting
Nothing on the Website constitutes public-adjusting services.
A homeowner seeking assistance negotiating an insurance claim should work with an appropriately licensed insurance professional or attorney where required.
66. Recent Investor Resales
California imposes additional disclosure obligations in specified sales of single-family residential property where the seller acquired title within the preceding 18 months and qualifying contractor work was performed after acquisition.
Where applicable, information concerning qualifying:
- Additions;
- Structural modifications;
- Alterations;
- Repairs;
- Contractors; and
- Permits
may have to be supplied to the subsequent buyer.
This can be important where a fire-damaged property is acquired, repaired, and quickly resold.
67. 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 obligations.
68. Common-Interest Developments
If property is located in a condominium, planned development, or other qualifying common-interest development, separate California disclosure obligations may apply concerning:
- Governing documents;
- Assessments;
- Financial information;
- Reserves;
- Insurance;
- Rules;
- Pending proceedings; and
- Other association matters.
69. Tenant-Occupied Properties
Sale of a tenant-occupied property generally does not itself automatically terminate an existing tenancy.
A purchaser should evaluate:
- Existing leases;
- Month-to-month tenancies;
- Security deposits;
- Habitability conditions;
- Fire displacement;
- Required notices;
- Possession rights; and
- Applicable state or local tenant protections.
A property appearing vacant after a fire should not automatically be assumed to have no remaining tenant-related issues.
70. 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.
71. California Recording Law
California generally prohibits intentionally recording a confidential communication without the consent of all parties, subject to statutory exceptions.
Acquisition calls should therefore not be silently recorded merely because one participant consents.
Where a confidential communication is recorded, appropriate notice and legally sufficient consent should be obtained from all participants.
72. Text Messages
If you provide a mobile number and applicable consent, we may communicate by text concerning:
- Your inquiry;
- Property research;
- Scheduling;
- Inspections;
- Offers;
- Follow-up; and
- Potential transactions.
Where 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.
73. 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 provide an unsubscribe mechanism.
74. 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 delivered in a particular form, language, or manner.
75. Privacy
Our handling of personal information is described in our Privacy Policy.
76. Independent Decision-Making
Selling fire-damaged property can have substantial:
- Legal;
- Tax;
- Financial;
- Insurance;
- Construction;
- Environmental; and
- Personal consequences.
You may wish to consult:
- A California attorney;
- A licensed California real estate professional;
- A tax professional;
- An accountant;
- An insurance professional;
- A licensed contractor;
- An engineer;
- An environmental professional;
- An appraiser;
- A HUD-approved housing counselor; or
- Another qualified adviser.
77. 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.
78. No Automatic Agency or Fiduciary Relationship
Use of the Website does not itself create:
- Seller agency;
- Buyer agency;
- A brokerage relationship;
- A fiduciary relationship;
- Partnership;
- Joint venture; or
- Employment.
If a California licensed real estate professional participates, applicable agency and representation documentation controls.
79. Acceptable Use
You may not:
- Use the Website unlawfully;
- Submit fraudulent property leads;
- Knowingly provide materially false information;
- Impersonate another person;
- Submit property information without authority;
- Attempt unauthorized system access;
- Introduce malicious code;
- Circumvent Website security;
- Abuse Website forms;
- Interfere with Website operations; or
- Violate another person’s rights.
80. 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 Houses With Fire Damage Fontana California.
You may not commercially reproduce protected Website content without authorization.
81. 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.
82. Website Availability
We may modify, restrict, suspend, or discontinue Website features.
Continuous, uninterrupted, secure, or error-free availability is not guaranteed.
83. No Guarantee of Transaction
We do not guarantee:
- An offer;
- Appraised or fair-market-value pricing;
- A particular purchase price;
- A seven-day closing;
- Any other particular closing date;
- Successful assignment;
- Insurance recovery;
- Completion of cleanup;
- Completion of repairs;
- Resolution of code issues;
- Completion of a transaction; or
- A particular financial result.
84. Testimonials
Testimonials describe individual reported experiences.
They do not guarantee that another seller will receive:
- The same offer;
- The same closing time;
- The same transaction structure;
- The same net proceeds; or
- The same result.
85. 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 California law does not permit to be waived.
86. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE FONTANA CALIFORNIA AND ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, AND BUSINESS PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING SOLELY FROM WEBSITE USE.
OUR AGGREGATE LIABILITY FOR CLAIMS ARISING SOLELY FROM WEBSITE USE WILL NOT EXCEED $500, TO THE MAXIMUM EXTENT PERMITTED BY LAW.
This Website-only limitation does not govern rights or liabilities arising under a separately executed:
- Purchase agreement;
- Assignment agreement;
- Brokerage agreement;
- Home Equity Sales Contract;
- Foreclosure-consulting agreement;
- Insurance-related agreement;
- Contractor agreement; or
- Other transaction-specific document
unless that document expressly provides otherwise and applicable law permits it.
87. 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.
88. Indemnification
To the extent permitted by law, you agree to indemnify I Buy Houses With Fire Damage Fontana California 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.
89. Governing Law
These Terms are governed by the laws of the State of California, except where another law must apply.
90. 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.
91. Non-Waivable California Rights
Nothing in these Terms waives rights that cannot legally be waived under applicable:
- California seller-disclosure law;
- California natural-hazard disclosure law;
- California wildfire disclosure law;
- California Real Estate Law;
- California Home Equity Sales Contract Act;
- California foreclosure-consultant law;
- California Consumer Legal Remedies Act;
- California Unfair Competition Law;
- California Consumer Privacy Act;
- California Online Privacy Protection Act;
- California Invasion of Privacy Act;
- Fontana building, fire, and safety requirements;
- Federal mortgage-assistance rules;
- Federal lead-disclosure law; or
- Other applicable law.
92. Transaction Agreements Control
These Website Terms do not replace:
- Purchase agreements;
- Assignment agreements;
- Brokerage agreements;
- Transfer Disclosure Statements;
- Natural Hazard Disclosure Statements;
- Wildfire disclosures;
- Home Equity Sales Contracts;
- Foreclosure-consulting contracts;
- Title documents;
- Escrow instructions;
- Insurance-related agreements;
- Contractor agreements; or
- Other transaction-specific documents.
A separately executed transaction agreement governs that transaction to the extent enforceable.
93. 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.
94. 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.
95. No Waiver
Failure to enforce a provision does not waive the right to enforce it later.
96. 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;
- California contract law;
- California Real Estate Law;
- Foreclosure-related restrictions; and
- Other applicable requirements.
97. Entire Agreement Regarding Website Use
These Terms and the Privacy Policy govern Website use.
They do not supersede separately executed real estate transaction documents.
98. Contact Us
Questions concerning these Terms may be directed to:
I Buy Houses With Fire Damage Fontana California
Fontana, California
United States
Website: ibuyfiredamagedhomesfontanacalifornia.com