GET AN OFFER

Terms and Conditions

Effective Date: October 7, 2026
Last Updated: October 7, 2026

These Terms and Conditions (“Terms”) govern your access to and use of ibuyhouseswithfiredamagesacramento.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Sacramento (“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 service as a direct cash-purchase service.

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. No Obligation to Sell

Submitting information or requesting an offer does not obligate you to sell your property.

A Website form submission is an inquiry, not a real estate purchase agreement.

You may reject a proposed offer unless and until you enter into a legally enforceable transaction agreement, subject to any statutory cancellation or rescission rights.

4. No Obligation to Purchase

Submitting property information does not require us to:

5. 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 all owners.

6. Agents and Wholesalers

The Website allows a submitter to indicate that the submitter is:

A person submitting property information as an agent, wholesaler, representative, or contract holder is responsible for having lawful authority to do so.

Nothing on the Website authorizes:

7. Property Research

We may research:

8. Property Assessments

The Website states that property condition may be assessed before an offer is finalized.

An assessment may include:

An assessment performed for our acquisition purposes is not automatically an inspection performed for the seller’s benefit and should not be treated as a warranty concerning property condition.

9. Preliminary Offers

Any preliminary:

is non-binding unless included in a legally enforceable transaction agreement.

An offer may change following due diligence.

10. Offer Methodology

Potential offers may consider factors including:

No particular valuation or offer is guaranteed.

11. Binding Transactions

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

Closing may depend on:

12. 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 describes the physical condition of the property, potential defects, systems and features, and other information required by California law.

A direct cash sale is not automatically exempt merely because:

13. TDS Timing

For a conventional covered sale, the seller generally must deliver the completed TDS as soon as practicable before transfer of title.

Other transaction structures, including certain installment-sale, lease-option, or ground-lease arrangements, have different timing requirements.

As an operational best practice, applicable seller disclosures should be provided as early as practicable.

14. 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 a statutory termination right.

15. TDS Exemptions

California provides specific exemptions from the TDS requirement, including certain:

An exemption should not be assumed without reviewing the specific transaction.

16. Fire Damage and the TDS

California’s disclosure regime requires accurate disclosure of property condition and known defects covered by the TDS.

A past fire may create current conditions involving:

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

17. Material Facts

California real estate law imposes disclosure duties concerning material facts affecting the value or desirability of property.

A participating real estate licensee generally must disclose facts known to the licensee that materially affect the property’s value or desirability and that are not known to, or within the diligent attention and observation of, the parties.

Fire-created damage can be material depending on the facts.

18. Licensee Visual Inspection

Where California law requires a participating licensee to perform a reasonably competent and diligent visual inspection of qualifying residential property, the licensee must comply with applicable inspection and disclosure duties.

A direct principal purchaser is not transformed into the seller’s inspection professional merely because it assesses the property for investment purposes.

19. No Universal Requirement to Deliver Every Fire Document

California does not impose one rule requiring every fire-damaged seller automatically to provide every:

to every purchaser.

Particular records may nevertheless be:

20. 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 within specified natural-hazard areas, including:

The applicable parcel must be evaluated using current official hazard information.

21. Fire Hazard Severity Zone Disclosure

California’s NHD specifically identifies whether residential property is located in a High or Very High Fire Hazard Severity Zone.

Sacramento-area property should be analyzed on a parcel-specific basis.

The fact that a property is located in Sacramento does not automatically establish that it is or is not in a statutory fire-hazard zone.

22. Additional Wildfire Disclosure for Certain Pre-2010 Homes

Where a 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, California Civil Code section 1102.6f requires additional wildfire-related disclosure.

That notice includes information concerning:

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

23. Final Defensible-Space Inspection Reports

Where a seller has obtained a qualifying final inspection report under California defensible-space law and section 1102.6f applies, the seller may be required to provide:

24. Fire Damage Versus Wildfire Hazard

A house that has actually suffered a structure fire and a house located in a statutory wildfire hazard zone present different legal issues.

A property can:

Applicable disclosures must address the actual facts rather than treating these concepts as interchangeable.

25. As-Is Transactions

The Website advertises as-is purchases.

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

An as-is clause does not automatically eliminate:

26. No Universal Repair Requirement 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 sold in damaged condition.

Separate:

may nevertheless affect the property.

27. Sacramento Building and Cleanup Requirements

Property within the Sacramento region may fall under:

Fire-damaged property may therefore be subject to different:

depending on the property’s exact location.

The Website should not represent that one Sacramento-area procedure applies identically to every property.

28. Cleanup Services

The Website advertises that the business may handle cleanup and disposal.

Any cleanup, demolition, hauling, hazardous-material removal, asbestos work, lead-related work, or construction activity must comply with applicable:

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

29. Contractor Licensing

California separately licenses contractors.

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

Property acquisition does not itself create authority to perform regulated contracting services.

30. Inspections and Due Diligence

The Website may advertise that sellers can avoid traditional inspection contingencies.

That does not prohibit us or another buyer from performing due diligence permitted by the transaction documents.

Due diligence may include:

31. Fast Closing Claims

The Website markets a rapid cash-based process.

Statements concerning speed describe possible transaction structures and do not guarantee a particular closing date.

Timing may depend on:

32. No Agent Fees

The Website advertises a direct sale without real estate-agent commissions.

Where no broker or salesperson represents the seller, the seller may avoid a conventional listing commission.

However, if a licensed real estate professional becomes involved, any compensation obligations are governed by:

33. Buyer-Broker Agreements

Beginning January 1, 2025, California requires qualifying buyer agents to use written buyer-broker representation agreements within the statutory timeframe.

This requirement applies to a real estate licensee acting as a buyer’s agent.

It does not transform a principal purchaser buying for its own account into the seller’s or buyer’s broker.

34. 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, compensation, and conduct control.

35. 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 in these Terms authorizes someone to avoid California licensing law merely by calling themselves:

The actual conduct controls.

36. Owner and Entity Exemptions

California provides limited licensing exemptions for certain acts performed concerning property owned or leased by specified entities, as well as proposed acquisitions by a corporation or partnership through qualifying officers or partners.

Those exemptions are fact-specific and cannot be used to evade real estate licensing law.

37. Wholesaling and Contract Assignment

As of October 7, 2026, California does not have an enacted wholesaler-specific statute requiring every person who assigns a purchase contract to obtain a real estate license solely because of the assignment.

California AB 1850, which would have created explicit wholesaling licensing and disclosure requirements, was held in Assembly Appropriations in May 2026 and did not become law.

Accordingly, these Terms do not describe AB 1850 as current law.

38. Existing Licensing Law Still Applies to Wholesaling

The fact that AB 1850 did not become law does not mean every wholesale transaction is automatically lawful without a license.

A wholesaler or contract holder must avoid acting as an unlicensed broker for another person.

Relevant factors include:

39. Contractual Interest Is Not Legal Title

Holding a:

is different from holding legal title.

A contract holder should not falsely state that:

40. Assignment Depends on the Contract

Whether a California purchase agreement may be assigned depends on:

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

41. Special Rule for Homes Already in Foreclosure

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

These transactions can fall under California’s Home Equity Sales Contract Act, Civil Code sections 1695 et seq.

This law is separate from ordinary seller disclosure requirements.

42. Residence in Foreclosure

For purposes of the Home Equity Sales Contract Act, a “residence in foreclosure” generally means residential real property:

A covered investor acquiring title can be an “equity purchaser.”

43. Home Equity Sales Contract Requirements

A covered equity-purchase contract must comply with detailed statutory requirements.

Among other things, it generally must:

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

A covered California equity seller generally may cancel a home equity sale until the earlier of:

Nothing in these Website Terms limits that statutory right.

45. Restrictions During the Equity-Seller Cancellation Period

Until the cancellation period fully expires, a covered equity purchaser generally may not:

in violation of California law.

46. No Misleading Statements to an Equity Seller

A covered equity purchaser may not make untrue or misleading representations concerning matters such as:

47. Foreclosure Consultants Are Separately Regulated

California separately regulates mortgage foreclosure consultants.

A person may fall within that statute where, for compensation, the person represents that services will:

An ordinary principal purchaser should not simultaneously portray itself as the homeowner’s paid foreclosure consultant.

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

A covered California foreclosure-consultant contract generally must state that the homeowner may cancel until midnight of the fifth business day after the transaction.

The contract must include required cancellation forms and information.

Until the consultant complies with those requirements, the homeowner may retain cancellation rights as provided by law.

49. No Advance Compensation for a Covered Foreclosure Consultant

A covered foreclosure consultant generally may not collect compensation until the consultant has fully performed every service the consultant contracted or represented that it would perform.

50. Foreclosure Consultant Cannot Acquire the Client’s Residence

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

Accordingly, a cash buyer seeking to acquire the house should not characterize itself as the seller’s foreclosure consultant.

51. Requesting a Cash Offer Does Not Stop Foreclosure

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

Homeowners facing foreclosure should determine all applicable deadlines independently.

52. Federal Mortgage-Assistance Rules

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

53. No Foreclosure-Rescue Guarantees

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

54. Multilingual Contract Requirements

California provides special protections where a business negotiates specified consumer transactions primarily in certain languages.

Where Civil Code section 1632 applies and a transaction is negotiated primarily in:

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

The Website’s multilingual features do not eliminate these statutory requirements.

55. Probate, Estate, Trust, and Inherited Property

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

A transaction may require:

Some fiduciary transfers are exempt from California’s ordinary TDS requirement, but the exemption depends on the transaction.

56. 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:

57. Insurance Payout Information

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

Providing that information helps evaluate the property and possible transaction.

It does not mean that:

Transaction documents should address insurance rights where an open claim exists.

58. Pending Insurance Claims

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

59. Public Adjusters

Nothing on the Website constitutes public-adjusting services.

If a seller requires assistance negotiating an insurance claim, the seller should work with an appropriately qualified and, where required, licensed insurance professional or attorney.

60. Fire Reports

California law may allow property owners, victims, authorized representatives, and insurers to obtain specified records relating to a fire incident from law-enforcement agencies under applicable public-record provisions.

Availability of a fire report does not create a universal requirement that every seller provide every investigative record to every purchaser.

61. Contractor and Restoration Recommendations

If we recommend or coordinate a contractor or cleanup provider, that provider may be an independent third party.

The seller should verify:

Nothing in these Terms makes us responsible for an independent provider’s professional work unless applicable law provides otherwise.

62. Building Codes, Permits, and Unsafe Structures

Fire-damaged property may be subject to:

An as-is transaction does not override governmental requirements.

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 those federal obligations.

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 obligations to furnish:

These requirements are separate from fire-damage disclosures.

65. Telephone Communications

By providing a telephone number and requesting an offer, you authorize reasonable responsive communications concerning:

Additional consent will be obtained where required before regulated automated, prerecorded, artificial-voice, or marketing communications are made.

66. California Recording Law

California Penal Code section 632 generally prohibits intentionally recording a confidential communication without the consent of all parties, subject to statutory exceptions.

Accordingly, confidential California calls should not be silently recorded merely because one participant consents.

Where calls are recorded, operational procedures should provide recording notice and obtain legally sufficient consent from all participants.

67. Text Messages

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

Where legally required, additional consent will be obtained before regulated automated or promotional texts are sent.

Consent to marketing communications 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:

Applicable promotional emails will provide an unsubscribe mechanism.

69. Electronic Communications

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

This does not eliminate transaction documents that applicable law requires to be delivered in a particular form or language.

70. Privacy

Our collection and processing of personal information are 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 Brokerage, Agency, or Fiduciary Relationship

Using the Website does not itself create:

If a California licensed real estate professional participates, applicable agency and representation disclosures 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 Sacramento.

You may not commercially reproduce protected Website content without authorization.

76. Third-Party Websites and Services

We are not responsible 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

Statements on the Website describing offers as:

describe the intended service model and do not guarantee a particular economic result.

The actual purchase agreement controls.

80. Testimonials

Testimonials describe individual experiences.

They do not guarantee that another property owner 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 or protections 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 SACRAMENTO 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, pricing, contracts, performance, privacy practices, or 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 Sacramento from claims arising from:

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.

Separately executed transaction agreements 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 continue in effect.

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 Website Terms in connection with a merger, acquisition, financing, restructuring, 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:

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 Sacramento
Sacramento, California
United States

Website: ibuyhouseswithfiredamagesacramento.com