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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 ibuyhouseswithfiredamagesandiego.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage San Diego (“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. Our Role

The Website presently markets our business principally as a direct cash purchaser of fire-damaged property in the San Diego area.

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

The Website describes our process as a direct sale in which the property may be acquired in its current condition.

The fact that we may seek to purchase property directly means our economic interests may differ from the seller’s interests.

We negotiate for our own account unless another written relationship expressly provides otherwise.

We do not automatically owe the seller duties associated with a seller’s real estate agent, 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 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 any statutory termination or cancellation 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 establish authority to bind every owner.

7. Agents, Wholesalers, and Other Representatives

The Website’s offer form permits a submitter to state that the submitter is:

A person submitting property information 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:

8. Property Research

We may research:

9. Property Assessments

The Website states that properties may be evaluated to determine an offer.

An assessment 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 incorporated into an enforceable written transaction agreement.

An offer may change following due diligence.

11. Offer Methodology

A potential offer may consider:

No particular purchase price, valuation methodology, or investment result 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. 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 exceptions.

The TDS addresses physical property condition, systems, defects, improvements, environmental issues, and other matters required by California law.

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

14. TDS Timing

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

Different timing rules may apply to certain installment sale, lease-option, or ground-lease transactions.

Applicable disclosure documents should be provided as early as practicable.

15. Late TDS and Buyer Termination Rights

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

to terminate the offer by written notice.

Nothing in these Terms shortens any statutory termination period.

16. TDS Obligations Cannot Simply Be Waived

Where California’s TDS law applies, the statutory disclosure requirement cannot simply be eliminated by labeling a transaction:

A seller or purchaser should not rely on a contractual waiver that California law makes void as against public policy.

17. TDS Exemptions

California provides specified exemptions for certain transactions, including qualifying:

An exemption should be evaluated for the actual transaction.

18. Fire Damage and the TDS

A prior fire may create current conditions relevant to the TDS, including:

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

19. Material Facts

California’s real estate disclosure rules preserve duties concerning facts that materially affect the value or desirability of real property.

Fire-created conditions may be material depending on:

20. No Universal Fire-Document Package

California does not impose one universal rule requiring every seller automatically to give every buyer every:

A particular document may nevertheless be:

21. Fire Incident Records

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

The availability of such records does not mean every investigative document must automatically be supplied to every purchaser.

22. California Natural Hazard Disclosure Statement

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

The NHD addresses whether property is located in specified hazard areas, including:

The actual parcel should be evaluated using current official maps.

23. San Diego 2025 Fire Hazard Severity Zones

The City of San Diego adopted updated Local Responsibility Area Fire Hazard Severity Zone maps effective August 30, 2025.

The current maps identify Moderate, High, and Very High Fire Hazard Severity Zones and include additional City-designated wildfire-risk areas.

The fact that a property has suffered an actual structure fire does not by itself establish its current Fire Hazard Severity Zone classification.

The parcel-specific current map controls.

24. 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 imposes additional wildfire-hardening disclosures.

The notice addresses specified vulnerable building features.

For transactions occurring on or after July 1, 2025, the seller must also identify which listed low-cost wildfire retrofits, if any, were completed during the seller’s ownership.

25. Fire Damage Versus Wildfire Risk

Historical structure-fire damage and Fire Hazard Severity Zone status are different concepts.

A San Diego property can:

Marketing and disclosures should distinguish these issues.

26. As-Is Transactions

The Website advertises purchase of property in its current or “as-is” condition.

“As-is” may mean the buyer does not require the seller to perform repairs before closing.

It does not automatically eliminate:

27. No Universal Repair Requirement Before Sale

California does not impose one statewide rule requiring every fire-damaged residence to be completely repaired before sale.

A damaged house may potentially be transferred in its current condition.

Separate:

may nevertheless affect the property.

28. San Diego Damage Repair Permits

The City of San Diego’s current permitting system specifically recognizes damage repair and replacement-in-kind work.

Certain damage repairs can qualify for a No-Plan Building Permit where:

More complex repairs, including certain pre-engineered structural components, require plans and structural calculations.

The exact permit requirements depend on the property’s condition and scope of work.

29. San Diego Building Permits

The City generally requires a building permit for new construction and covered improvements to existing buildings.

Fire-restoration work can involve permits concerning:

Property owners should confirm requirements with the applicable local authority before undertaking regulated work.

30. San Diego Fire Permits

The City separately requires Fire Permits for specified installation, alteration, addition, or replacement of:

Ordinary maintenance may fall within an exemption.

A property purchase does not eliminate an existing fire-permit requirement.

31. San Diego Wildland-Urban Interface Rules

San Diego has adopted updated fire and Wildland-Urban Interface regulations associated with the 2025 California codes.

Fire-damaged property within applicable wildfire-risk areas may therefore face additional ignition-resistant construction or other requirements during repair or reconstruction.

The applicable property location, permit date, scope of repair, and current code control.

32. Historic Buildings

San Diego’s permitting materials state that building work involving structures of specified age or historic status may require historic-resource review.

Fire damage does not automatically exempt a property from applicable historic-resource requirements.

33. Cleanup and Cleanout Services

The Website advertises that the business may handle property cleanout.

Any:

must comply with applicable contractor, environmental, worker-safety, disposal, permit, and other legal requirements.

Nothing in these Terms states that we personally perform regulated contractor work unless lawfully authorized to do so.

34. California Contractor Licensing

California separately regulates contracting activity.

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

Purchasing property does not by itself authorize regulated contracting services.

35. Inspections and Due Diligence

The Website markets an as-is purchase without a traditional seller-funded inspection process.

That does not prevent the purchaser from conducting its own due diligence.

Due diligence may include:

36. Fast Offer and Closing Claims

The Website advertises:

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

Actual timing may depend on:

37. No Agent Commissions and Fees

The Website advertises a direct purchase with no traditional real estate-agent commission or hidden fees.

Where the seller sells directly without a listing broker, a conventional listing commission may not apply.

If a California real estate licensee participates, any compensation obligations will be determined by:

38. California Real Estate Licensing

California generally requires a real estate broker license when a person, for compensation or expected compensation, acts for another to:

The actual role and conduct control.

39. Principal Purchaser Versus Broker

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

Nothing on the Website authorizes a person to avoid California licensing requirements merely by using terms such as:

The actual facts control.

40. Wholesaling and Contract Assignments

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

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

Its proposed licensing and disclosure requirements should therefore not be represented as current law.

41. Existing California Licensing Law Still Applies

The absence of an enacted wholesaler-specific statute does not mean every wholesale transaction is automatically lawful without a license.

Relevant considerations include:

42. Contractual Interest Is Not Legal Title

Holding a:

is different from holding legal title.

A contract holder should not falsely state that:

43. Assignment Depends on the Contract

Whether a purchase agreement may be assigned depends on:

Nothing on the Website guarantees that a particular contract is assignable.

44. Property Already in Foreclosure

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

Such a transaction can fall under the California Home Equity Sales Contract Act.

These rules apply independently from ordinary property-disclosure law.

45. Residence in Foreclosure

A covered residence in foreclosure generally involves:

A covered investor purchaser can become an “equity purchaser.”

46. Home Equity Sales Contract Requirements

A covered Home Equity Sales Contract is subject to detailed requirements.

Among other things, the agreement generally must:

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

A covered equity seller generally may cancel the agreement until the earlier of:

Nothing in these Website Terms limits that statutory right.

48. Restrictions During the Cancellation Period

During the covered cancellation period, an equity purchaser generally may not take actions prohibited by the Home Equity Sales Contract Act, including specified premature:

The transaction documents and procedures must comply with the statute.

49. No Misleading Statements to an Equity Seller

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

50. California Foreclosure Consultants

California separately regulates mortgage foreclosure consultants.

A person may fall within that law when, for compensation, the person represents that services will:

A property purchaser should not simultaneously portray itself as the homeowner’s paid foreclosure consultant unless the arrangement is separately structured in full compliance with applicable law.

51. Foreclosure-Consultant Cancellation Rights

Covered foreclosure-consultant contracts are subject to detailed written-contract and cancellation requirements.

A covered homeowner generally receives a five-business-day cancellation right.

Required statutory cancellation notices and forms should be used when applicable.

52. Advance Compensation and Acquisition Restrictions

California restricts advance compensation in covered foreclosure-consultant relationships.

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

A principal property buyer should therefore maintain a clear operational distinction between:

53. Requesting a Cash Offer Does Not Stop Foreclosure

Submitting a Website inquiry, receiving an offer, or negotiating a transaction does not automatically:

Homeowners facing foreclosure should independently determine applicable deadlines.

54. Federal Mortgage-Assistance Rules

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

55. No Foreclosure-Rescue Guarantees

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

56. Multilingual Contracts

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

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

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

The Website’s multilingual interface does not eliminate those requirements.

57. Probate, Estate, Trust, and Inherited Property

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

A transaction may require:

Certain fiduciary transfers may qualify for statutory disclosure exemptions, but exemptions are transaction-specific.

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 a separate legally compliant relationship expressly establishes otherwise.

Property owners are responsible for understanding:

59. Insurance Payout Information

The Website specifically asks whether the homeowner has received an insurance payout.

That information may be considered as part of property and transaction evaluation.

Providing insurance-payout information does not mean that:

60. Pending Insurance Claims

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

61. 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.

62. San Diego Fire and Building Records

A potential purchaser may research publicly available:

as part of due diligence.

Public-record availability does not mean every record is accurate, complete, or current.

63. 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 federal lead-disclosure requirements.

64. Common Interest Developments

If a property is located in a California condominium, planned development, or other qualifying common-interest development, the seller may have separate disclosure obligations concerning:

65. 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.

66. 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 has consented.

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

67. Text Messages

If you provide a mobile telephone number and applicable consent, we may communicate by text concerning your inquiry, property, scheduling, inspections, offers, follow-up, and potential transactions.

Where required, additional consent will be obtained before regulated automated or marketing 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.

68. 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 include an unsubscribe mechanism.

69. Electronic Communications

Where permitted by law, you consent to receiving Website and transaction communications electronically.

This consent does not eliminate documents that applicable law requires to be provided in another form, language, or manner.

70. Privacy

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

71. Independent Decision-Making

Selling fire-damaged property can have substantial:

You may wish to consult:

72. No Professional Advice

Website content does not constitute individualized:

73. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

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

74. Acceptable Use

You may not:

75. Intellectual Property

Unless otherwise stated, the Website and its original:

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

You may not commercially reproduce protected Website content without authorization.

76. Third-Party Websites and Services

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

77. Website Availability

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

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

78. No Guarantee of Transaction

We do not guarantee:

79. Marketing Claims

Website statements describing our offers or process as:

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

The signed transaction documents control.

80. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

81. 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 California law does not permit to be waived.

82. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE SAN DIEGO 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 a separately executed:

unless that agreement expressly provides otherwise and applicable law permits it.

83. Independent Third Parties

To the maximum extent permitted by law, we are not responsible for the independent conduct, representations, contracts, pricing, performance, privacy practices, or professional services of unaffiliated third parties.

Nothing in this provision eliminates liability that applicable law does not permit to be excluded.

84. Indemnification

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

85. Governing Law

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

86. 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.

87. Non-Waivable California Rights

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

88. Transaction Agreements Control

These Website Terms do not replace:

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

89. 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.

90. 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.

91. No Waiver

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

92. 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:

93. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

94. Contact Us

Questions concerning these Terms may be directed to:

I Buy Houses With Fire Damage San Diego
San Diego, California
United States

Website: ibuyhouseswithfiredamagesandiego.com