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 ibuyfiredamagedhomesstpetersburgflorida.com (the “Website”) and services offered through the Website by I Buy Fire Damaged Homes St Petersburg Florida (“we,” “us,” or “our”).

By accessing the Website, submitting property information, requesting a cash offer, or otherwise interacting with our services, you agree to these Terms and acknowledge our Privacy Policy.

1. Purpose of the Website

The Website allows property owners and authorized representatives to submit information concerning real estate they may wish to sell, including:

Depending on the property and transaction, we may:

Nothing displayed on the Website constitutes a binding offer to purchase real estate.

2. Direct Cash-Buyer Model

The Website expressly states that we operate as direct cash buyers, rather than as an intermediary or wholesaler in the ordinary advertised transaction.

Where we seek to purchase property for our own account:

Our actual role in any transaction is determined by the written transaction documents and conduct.

3. No Automatic Professional Relationship

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

4. No Obligation to Sell

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

A Website submission is an inquiry and is not a purchase agreement.

You may reject a proposed offer unless and until you enter into a legally enforceable transaction agreement, subject to applicable statutory or contractual 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 authorize that person to bind every owner.

7. Agents, Wholesalers, and Other Representatives

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

Nothing on the Website authorizes:

8. Property Research

We may research:

9. Property Assessments

An acquisition evaluation may include:

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

10. Preliminary Offers

Any preliminary:

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

A preliminary offer may change after due diligence.

11. Offer Methodology

Potential offers may consider:

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

12. Binding Transactions

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

Closing may depend on:

13. Florida Does Not Use One Universal Statutory Residential Condition Form

Florida generally does not require every private seller of an existing residential property to complete one statewide statutory condition questionnaire comparable to forms used in certain other states.

However, that does not mean a Florida seller may conceal known material defects.

Florida imposes disclosure duties through:

14. Johnson v. Davis Seller-Disclosure Rule

Under Florida law, where a seller of a home knows of facts that:

the seller generally has a duty to disclose those facts to the buyer.

This rule can apply even in a direct cash or investor sale.

15. Fire Damage Can Be a Material Latent Defect

Fire damage may create conditions involving:

Where a seller knows of a material fire-related condition that is not readily observable and not known to the buyer, it should not be concealed.

16. As-Is Does Not Eliminate Fraud or Latent-Defect Duties

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

An as-is provision may allocate substantial repair risk to the purchaser.

It does not automatically eliminate liability for:

17. No Universal Fire-Document Package

Florida does not impose one universal requirement that every seller automatically deliver every:

to every buyer.

A specific document may nevertheless be:

18. Florida Flood Disclosure

Florida separately requires a statutory flood disclosure in residential real estate transactions.

A seller generally must complete and provide the required flood disclosure to the purchaser at or before the time the sales contract is executed.

This requirement applies separately from fire-damage issues.

19. Flood Disclosure Contents

The statutory flood disclosure requires the seller to address matters including whether, during the seller’s ownership:

The disclosure also informs the buyer that ordinary homeowners insurance does not cover flood damage and encourages discussion of separate flood insurance.

20. Firefighting Water Is Not Automatically Statutory “Flooding”

Water used to extinguish a structure fire may cause substantial property damage.

However, Florida’s statutory flood-disclosure definition addresses inundation caused by specified events such as:

Accordingly, firefighting-water damage and statutory flood history should be evaluated separately rather than automatically treated as the same condition.

21. Flood-Zone and Substantial-Improvement Issues

St. Petersburg contains properties within designated flood zones.

Where a property is located in a designated flood zone, repair or reconstruction may be subject to floodplain and substantial-improvement requirements.

Those requirements can apply even where some individual components of work might otherwise be exempt from ordinary permitting.

A fire-damaged property’s flood-zone status should therefore be checked before major reconstruction assumptions are made.

22. No Universal Requirement to Repair Before Sale

Florida does not impose one statewide rule requiring every fire-damaged house to be completely repaired before it can be sold.

A damaged property may potentially be sold as-is.

Separate:

may nevertheless affect the property.

23. St. Petersburg Construction and Permit Review

The City of St. Petersburg regulates construction, rehabilitation, renovation, demolition, and other work through its permitting and code-enforcement systems.

Fire-damage restoration may require permits or inspections involving:

The exact requirements depend on the scope of damage, property location, flood-zone status, and work proposed.

24. Minor-Repair Permit Exemptions Are Limited

St. Petersburg’s published permit exemptions include certain minor work.

For example, limited interior wall or ceiling finish repair may be exempt in qualifying circumstances.

However, the exemption does not apply where work affects:

A severely fire-damaged property should therefore not assume that a cosmetic-repair exemption covers structural or fire-protection work.

25. Fire Rescue and Fire Protection Systems

St. Petersburg Fire Rescue conducts inspections of fire-protection systems and reviews certain construction and renovation matters for fire and life-safety compliance.

Regulated systems can include:

A prior fire does not eliminate any requirement to restore qualifying fire-protection systems before lawful occupancy.

26. Fire Reports

St. Petersburg Fire Rescue maintains a process through which qualifying persons may request a copy of an EMS or fire report.

A fire report may be useful for:

Availability of a fire report does not mean every seller must automatically provide every fire-department document to every purchaser.

27. Unsafe and Unsecured Structures

A severely fire-damaged structure may require:

A sale does not automatically remove or cancel a governmental order associated with the property.

28. Cleanup and Restoration

The Website advertises that it can handle cleanout after sale.

Any:

must comply with applicable licensing, permitting, environmental, worker-safety, disposal, and other requirements.

Nothing in these Terms represents that we personally perform regulated contractor work unless lawfully authorized.

29. Inspections and Due Diligence

The Website states that sellers can avoid traditional inspection and repair burdens.

This does not prevent us from conducting due diligence for our own acquisition purposes.

Due diligence may include:

30. 24-Hour Offer and 10-Day Closing Claims

The Website advertises:

Those statements describe potential transaction timing and are not guarantees.

Actual timing may depend on:

31. Fair, Competitive, and “True Market Value” Claims

The Website describes its offers as fair, competitive, and reflective of the property’s “true market value.”

Those statements should not be interpreted as a representation that:

The executed purchase agreement controls the actual price.

32. Zero Commissions and No Hidden Fees

The Website advertises a direct sale with zero commissions and no hidden fees.

Where a seller completes a genuine direct sale without a listing broker, a conventional listing-agent commission may not apply.

The executed purchase contract, closing statement, title charges, taxes, lien payoffs, and other transaction documents control actual financial obligations.

33. Florida Real Estate Licensing

Florida generally defines a broker as a person who, for another and for compensation or expected compensation, performs specified activities concerning real property.

Those activities can include:

where performed for another for compensation.

34. Direct Principal Buyer Versus Broker

A genuine principal purchaser buying property for its own account is differently situated from a person performing brokerage services for another.

The Website’s current statement that it acts as a direct cash buyer should be operationally accurate if that is the actual model.

Nothing in these Terms authorizes unlicensed brokerage disguised as investment activity.

35. Florida Owner Exemption

Florida’s Real Estate License Law provides an exemption for qualifying persons and entities selling, exchanging, or leasing their own real property, subject to statutory limitations.

That exemption should not be stretched to cover compensated brokerage services for another property owner.

36. Wholesaling and Assignment

As of October 7, 2026, Florida does not maintain a separate comprehensive residential wholesaler-registration and seller-cancellation statute comparable to specialized regimes enacted in some other states.

However, ordinary:

still apply.

37. Contractual Interest Is Not Legal Title

If a purchase contract is assigned, a contract holder’s equitable or contractual interest is different from record legal title.

A person should not falsely represent that:

38. Assignment Depends on Contract Terms

Whether a Florida purchase agreement may be assigned depends on:

Nothing on the Website guarantees assignability.

39. Direct-Buyer Website Representation

Because the Website presently states that there are no wholesalers involved, transaction operations should be consistent with that representation.

If a particular transaction is instead intended to be assigned or wholesaled, the seller should not be misled concerning:

40. Foreclosure and Financial Distress

The Website may attract homeowners who are:

We are not your mortgage lender, servicer, attorney, financial adviser, housing counselor, loan-modification provider, foreclosure consultant, or debt-relief provider unless a separate legally compliant relationship expressly establishes otherwise.

41. Florida Foreclosure-Rescue Consultants

Florida regulates persons who offer, for compensation, qualifying services represented as helping a homeowner:

A direct property purchase should not be marketed as paid foreclosure-rescue consulting unless the relationship separately complies with Florida law.

42. Written Foreclosure-Rescue Agreement

A covered foreclosure-rescue consultant generally must enter into a compliant written agreement before beginning covered services.

The agreement must identify matters including:

43. One-Business-Day Advance Review

A covered Florida foreclosure-rescue consultant generally must provide the homeowner a copy of the proposed agreement to review at least one business day before signing.

44. Three-Business-Day Cancellation Right

A homeowner generally may cancel a covered foreclosure-rescue-services agreement within three business days after signing, without penalty or obligation.

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

45. No Advance Fees for Covered Rescue Services

A covered foreclosure-rescue consultant generally may not solicit, charge, receive, or attempt to secure payment before all promised services have been completed.

Payments subject to cancellation must generally be returned within the statutory period.

46. Foreclosure-Rescue Transactions Involving an Equity Purchaser

Florida separately regulates a foreclosure-rescue transaction in which:

These transactions are materially different from an ordinary permanent arm’s-length sale.

47. Foreclosure-Rescue Purchase Agreement Requirements

A covered foreclosure-rescue transaction must use a detailed written agreement meeting statutory formatting and content requirements.

Among other things, the agreement must identify:

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

A homeowner entering a covered foreclosure-rescue transaction generally may cancel without penalty no later than 5:00 p.m. on the third business day after signing the written agreement.

The right cannot be waived or limited by the equity purchaser.

Required cancellation notices must be provided.

49. Repurchase and Leaseback Restrictions

If a covered foreclosure-rescue transaction gives the homeowner a right to repurchase:

50. Lease-Option or Repurchase Transactions Can Be Treated as Loans

Florida law creates a rebuttable presumption, in covered circumstances, that a foreclosure-rescue transaction involving a lease option or other repurchase arrangement is actually a loan transaction and that the homeowner’s conveyance is a mortgage.

Sale-leaseback or buy-back arrangements involving homes in foreclosure therefore require specialized legal review.

51. Requesting an Offer Does Not Stop Foreclosure

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

Homeowners facing foreclosure should independently determine all relevant deadlines.

52. No Foreclosure-Rescue Guarantees

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

53. Federal Mortgage-Assistance Rules

If separate conduct constitutes mortgage-assistance-relief services under federal law, federal requirements may govern:

54. Probate, Estate, Trust, and Inherited Property

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

A transaction may require:

55. 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:

56. Pending Insurance Claims

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

57. Insurance Rights Do Not Automatically Transfer

A property sale does not automatically transfer:

Those matters depend on:

58. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

A homeowner seeking assistance negotiating a property-insurance claim should work with an appropriately licensed insurance professional or attorney where required.

59. Condominium Property

If a fire-damaged property is a condominium unit, separate Florida condominium requirements may affect the transaction.

Relevant matters may include:

The actual association documents and current law should be reviewed.

60. Homeowners Associations

Property located in a homeowners association or planned community may be subject to separate:

61. Tenant-Occupied Property

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

A buyer should evaluate:

A property appearing vacant after a fire should not automatically be treated as free of all tenant rights.

62. Federal Lead-Based Paint Disclosure

Federal lead-based-paint disclosure requirements may apply to qualifying residential housing constructed before 1978.

Nothing on the Website replaces applicable federal requirements.

63. 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.

64. Florida Recording Law

Florida generally permits interception or recording of a private wire, oral, or electronic communication only when all parties have given prior consent, subject to statutory exceptions.

Accordingly, acquisition calls should not be silently recorded merely because one participant has consented.

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

65. Text Messages

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

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

Consent to marketing 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.

66. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will provide an unsubscribe mechanism.

67. Electronic Communications

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

This does not eliminate any disclosure or document that applicable law requires to be provided in another form or manner.

68. Privacy

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

69. Independent Decision-Making

Selling fire-damaged property can have substantial legal, tax, financial, insurance, construction, environmental, and personal consequences.

You may wish to consult:

70. No Professional Advice

Website content does not constitute individualized:

71. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

If a licensed Florida real estate professional participates, applicable brokerage and transaction documents control.

72. Acceptable Use

You may not:

73. Intellectual Property

Unless otherwise stated, the Website and its original:

are owned by or licensed to I Buy Fire Damaged Homes St Petersburg Florida.

You may not commercially reproduce protected Website content without authorization.

74. Third-Party Websites and Services

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

75. Website Availability

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

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

76. No Guarantee of Transaction

We do not guarantee:

77. Marketing Claims

Website statements describing offers or the process as:

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

The executed transaction documents control.

78. Testimonials

Testimonials describe individual experiences and do not guarantee that another seller will receive:

79. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

WE DISCLAIM WARRANTIES THAT MAY LAWFULLY BE DISCLAIMED, INCLUDING IMPLIED WARRANTIES OF:

Nothing in these Terms eliminates rights that applicable law does not permit to be waived.

80. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY FIRE DAMAGED HOMES ST PETERSBURG FLORIDA AND ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, AND BUSINESS PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING SOLELY FROM WEBSITE USE.

OUR AGGREGATE LIABILITY FOR CLAIMS ARISING SOLELY FROM WEBSITE USE WILL NOT EXCEED $500, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

This Website-only limitation does not govern rights or liabilities arising under separately executed:

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

81. Independent Third Parties

To the maximum extent permitted by law, we are not responsible for independent third-party:

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

82. Indemnification

To the extent permitted by law, you agree to indemnify I Buy Fire Damaged Homes St Petersburg Florida from claims arising from your:

83. Governing Law

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

84. Venue and Disputes

Subject to mandatory jurisdiction, venue, consumer-protection, foreclosure, and transaction-specific requirements, proceedings arising solely from Website use may be brought in a court of competent jurisdiction in Florida.

These Website Terms do not impose mandatory arbitration.

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

85. Non-Waivable Florida Rights

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

86. Transaction Agreements Control

These Website Terms do not replace:

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

87. 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.

88. 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.

89. No Waiver

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

90. 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:

91. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

92. Contact Us

Questions concerning these Terms may be directed to:

I Buy Fire Damaged Homes St Petersburg Florida
St. Petersburg, Florida
United States

Website: ibuyfiredamagedhomesstpetersburgflorida.com