Effective Date: October 8, 2026
Last Updated: October 8, 2026
These Terms and Conditions (“Terms”) govern your access to and use of ibuyhouseswithfiredamagewashingtondc.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Washington DC, also using “Firehouse Buyer” branding (“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 or potentially vacant property;
- Tenant-occupied property;
- Inherited property;
- Probate or estate property;
- Property facing foreclosure;
- Property subject to liens or judgments;
- Property requiring cleanout;
- Property requiring substantial repair; 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 or facilitate 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 District 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 Washington, D.C.
Depending on the 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 broker;
- Mortgage lender;
- Mortgage servicer;
- Loan-modification provider;
- Foreclosure-rescue provider;
- Tenant adviser; or
- Debt-relief provider.
3. Direct Purchase Model
Where we seek to purchase property for our own account:
- Our economic interests may differ from yours;
- We may seek a purchase price accounting for repairs, cleanup, holding costs, taxes, closing costs, risk, and expected investment return;
- We negotiate for our own interests unless another written relationship expressly provides otherwise; and
- We do not automatically owe you the duties of a seller’s broker, attorney, fiduciary, appraiser, insurance adviser, or financial adviser.
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 real estate purchase agreement.
You may reject a proposed offer unless and until you enter into an enforceable transaction agreement, subject to applicable legal rights.
5. No Obligation to Purchase
Submitting information does not require us to:
- Inspect the property;
- Make an offer;
- Maintain a prior 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 have lawful authority to communicate concerning it; and
- Your use complies with applicable law.
A submission by one co-owner does not necessarily authorize that person to bind all owners.
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:
- Unlicensed real estate brokerage;
- Misrepresentation of ownership;
- Unauthorized marketing of another person’s property;
- Unauthorized disclosure of property-owner information; or
- Violation of an existing contract.
8. Property Research
We may research:
- Ownership;
- Recorded deeds;
- Mortgages and deeds of trust;
- Liens;
- Judgments;
- Property taxes;
- Foreclosure status;
- Property condition;
- Fire and smoke damage;
- Structural condition;
- Roof and foundation;
- Electrical and plumbing systems;
- Heating and cooling systems;
- Repairs;
- Building permits;
- Certificates of Occupancy;
- Code violations;
- Vacant or blighted building classifications;
- Tenant status;
- Insurance claims;
- Probate;
- Historic designation;
- Comparable sales; and
- Other information relevant to evaluating a transaction.
9. Property Assessments
An acquisition evaluation may include:
- Visual inspection;
- Photography;
- Contractor review;
- Structural review;
- Repair estimates;
- Environmental review;
- Permit research;
- Code-enforcement research;
- Vacant-building research;
- Tenant-rights review;
- Title review;
- Insurance review; and
- Other due diligence.
An evaluation conducted for our acquisition purposes is not automatically an inspection or professional report prepared 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 indication
is non-binding unless incorporated into an enforceable transaction agreement.
A preliminary offer may change following due diligence.
11. Offer Methodology
Potential offers may take into account:
- Existing property condition;
- Fire and smoke damage;
- Structural damage;
- After-repair value;
- Comparable sales;
- Restoration expenses;
- Cleanout expenses;
- Permit expenses;
- Code violations;
- Tenant or occupancy issues;
- Holding expenses;
- Property taxes;
- Insurance;
- Settlement expenses;
- Market conditions;
- Risk; and
- Expected investment return.
No particular valuation methodology or purchase price is guaranteed.
12. Binding Transactions
A binding 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;
- Applicable seller disclosures;
- Tenant rights;
- TOPA compliance;
- Property access;
- Due diligence;
- Probate;
- Foreclosure status;
- Insurance;
- Code-enforcement requirements;
- Buyer funding;
- Settlement requirements; and
- Other contractual or legal conditions.
13. District Residential Real Property Seller Disclosure Act
The District of Columbia maintains a statutory residential seller-disclosure regime for certain transactions.
It generally applies only where:
- The property is located in the District;
- The property contains one to four residential dwelling units;
- The transaction involves a sale, exchange, installment land contract, lease with an option to purchase, or another purchase option; and
- The prospective purchaser has expressed in writing an intent to reside in the property.
This final requirement is important.
A purchase by a cash investor that does not express a written intent to occupy the property may fall outside this particular statutory chapter.
Other disclosure, fraud, contract, licensee, condominium, lead, tenant, and consumer-protection rules may nevertheless apply.
14. Seller’s Disclosure Statement Timing
Where the District’s statutory residential seller disclosure applies, the transferor generally must deliver the approved Seller’s Disclosure Statement:
Before or at the time the prospective purchaser executes the purchase agreement.
The seller must also indicate compliance on:
- The purchase agreement;
- An addendum;
- The applicable installment contract;
- The lease with purchase option; or
- A separate document.
15. Late Disclosure and Five-Day Termination Right
If a required Seller’s Disclosure Statement is not provided before the purchaser executes the applicable agreement, District regulations generally permit the purchaser to terminate by written notice within five calendar days after receiving the disclosure statement.
Upon qualifying termination, the seller generally must return the purchaser’s deposit.
16. Cutoffs for the Late-Disclosure Termination Right
The statutory late-disclosure termination right can terminate before the five-day period otherwise expires upon the earliest applicable event, including:
- Submission of a written mortgage or financing application where the lender made the required written disclosure concerning loss of the rescission right;
- Settlement; or
- Occupancy,
as provided by District law.
The actual transaction should use current disclosure documents and procedures.
17. Seller’s Actual Knowledge
The District’s disclosure framework generally requires the seller to report conditions:
- Actually known by the seller; and
- In good faith.
If information is unknown or unavailable, the seller may identify it as unknown where the form permits.
The statute does not generally impose liability for a condition discoverable only through inaccessible inspection or expertise beyond the seller’s knowledge.
18. Fire Damage Is Expressly Addressed
The current District Seller’s Property Condition Statement expressly asks whether the seller has actual knowledge that the property was previously damaged by:
- Fire;
- Wind;
- Flooding; or
- Other causes.
If the answer is yes, the form requests comments.
Fire damage is therefore expressly addressed by the District’s current residential disclosure form where that form applies.
19. Related Fire-Damage Disclosure Categories
Fire damage can also affect current disclosure questions concerning:
- Roof leaks;
- Foundations;
- Structural walls or floors;
- Fireplaces and chimneys;
- Heating;
- Air conditioning;
- Plumbing;
- Electrical systems;
- Smoke detectors;
- Carbon-monoxide detectors;
- Alterations;
- Unpermitted repairs;
- Water intrusion;
- Mold;
- Asbestos;
- Lead-based paint;
- Environmental contamination;
- Zoning violations;
- Historic-preservation violations;
- Vacant-building status; and
- Other property conditions.
20. Current 2025 District Disclosure Form
The District’s Real Property Seller’s Disclosure Statement was amended effective November 28, 2025.
Transactions should use the current form rather than an outdated copy obtained from an old brokerage file or website.
The current form specifically addresses:
- Actual fire damage;
- Lead-bearing plumbing;
- Water-service information;
- Permits and alterations;
- Historic designation;
- Historic-preservation violations;
- Vacant or blighted building exemptions; and
- Other current District-specific conditions.
21. Disclosure Is Not a Warranty
The Seller’s Property Condition Statement is a disclosure document based on the seller’s actual knowledge.
It is not itself:
- A warranty of condition;
- A guarantee that no other defects exist;
- A professional inspection;
- An engineering report; or
- A substitute for buyer due diligence.
22. Professional Reports
District law allows a seller in specified circumstances to rely on information supplied by:
- Public agencies;
- Licensed professional engineers;
- Surveyors;
- Home inspectors;
- Contractors;
- Geologists;
- Pest-control professionals; and
- Other experts
for matters within their expertise, subject to statutory conditions.
That does not create a universal requirement that every fire-damaged seller commission every possible professional report.
23. No Universal Fire-Document Package
District law does not establish one universal rule requiring every seller automatically to provide every:
- Fire-department report;
- Insurance claim file;
- Adjuster report;
- Contractor invoice;
- Engineering report;
- Photograph;
- Repair estimate;
- Permit;
- Remediation record; or
- Inspection report
to every purchaser.
A particular document may nevertheless be:
- Relevant to the current disclosure form;
- Required by contract;
- Requested during due diligence;
- Required by an insurer;
- Required by a lender;
- Required by the Department of Buildings;
- Required by a settlement professional; or
- Required under another law.
24. Seller Disclosure Exemptions
The District’s Residential Real Property Seller Disclosure Act contains specified exemptions, including qualifying:
- Court-ordered transfers;
- Foreclosure sales;
- Deeds in lieu of foreclosure;
- Transfers to a mortgagee by a borrower in default;
- Certain nonoccupant fiduciary transfers;
- Co-tenant transfers;
- Certain family transfers;
- Divorce-related transfers;
- Governmental transfers; and
- Transfers of newly constructed residential property that has not been inhabited.
An exemption should be confirmed for the actual transaction.
25. Condominiums and Cooperatives
The ordinary Seller’s Disclosure Statement does not replace separate District condominium resale-disclosure obligations.
Where a condominium, cooperative, or association property is involved, additional governing documents, financial information, assessments, restrictions, insurance information, and other disclosures may be required.
26. Lead-Based Paint and Lead Information
District and federal law impose separate lead-related disclosure requirements in applicable property transactions.
For covered residential sales, sellers should use the current required District and federal lead disclosures where applicable.
Nothing in these Terms replaces those forms.
27. As-Is Transactions
The Website advertises acquisition in the property’s present or “as-is” condition.
“As-is” may mean the purchaser does not require the seller to complete repairs before settlement.
It does not automatically eliminate:
- Applicable statutory seller disclosures;
- Fraud or intentional misrepresentation liability;
- Contractual representations;
- Lead disclosures;
- Condominium disclosures;
- Tenant rights;
- TOPA requirements;
- Foreclosure-rescue restrictions;
- Title obligations;
- Code orders; or
- Other non-waivable legal duties.
28. No Universal Requirement to Repair Before Sale
District law does not impose one universal rule requiring every fire-damaged home to be fully restored before transfer.
A fire-damaged property may potentially be sold in its current condition.
Separate:
- Building codes;
- Unsafe-building orders;
- Vacant or blighted classifications;
- Repair permits;
- Electrical permits;
- Plumbing permits;
- Fire-safety requirements;
- Historic-preservation requirements;
- Occupancy restrictions;
- Utility restrictions;
- Environmental rules; and
- Contract requirements
may nevertheless apply.
29. Vacant and Blighted Buildings
A fire-damaged property that is no longer lawfully occupied may become subject to the District’s vacant- or blighted-building regime.
The Department of Buildings requires qualifying vacant and blighted properties to be registered and can apply significantly higher property-tax classifications.
The purchaser and seller should therefore determine whether the property is:
- Occupied;
- Vacant;
- Blighted;
- Registered;
- Exempt;
- Subject to outstanding fees; or
- Subject to enforcement.
30. Fire-Related Vacant-Building Hardship Exemption
Effective beginning October 1, 2025, District law expressly permits the Department of Buildings to consider a property owner’s impact from a fire that was not the result of identified criminal activity or negligence when evaluating a substantial economic or personal hardship exemption from higher vacant-building taxation.
The exemption is not automatic.
Supporting documentation and Department approval are required.
31. For-Sale Vacant-Building Exemption
Current District vacant-building rules also provide a limited exemption for qualifying properties where the owner is actively seeking in good faith to sell or rent the property and satisfies applicable maintenance requirements.
For a single-family residential building, that exemption generally may not exceed one-half of a tax year from the initial listing, offer, or advertisement.
The actual classification and exemption status should be checked during acquisition due diligence.
32. Building and Repair Permits
Fire restoration can require District permits concerning:
- Structural work;
- Electrical systems;
- Plumbing and gas;
- Mechanical systems;
- Roofing;
- Demolition or raze work;
- Fire-protection systems;
- Alterations;
- Reconstruction; and
- Other regulated work.
The Department of Buildings currently directs:
- One- and two-family residential projects to its Permit Wizard; and
- Commercial, demolition, raze, and other specified projects to its Citizen Access Portal.
An as-is sale does not legalize unpermitted work.
33. Code Violations and Unsafe Conditions
Fire-damaged property may be affected by:
- Notices of Violation;
- Unsafe-building findings;
- Stop Work Orders;
- Condemnation-related proceedings;
- Vacant-building requirements;
- Blighted-building requirements;
- Required stabilization;
- Repair obligations;
- Demolition requirements; or
- Other District enforcement.
A transfer of ownership does not automatically cancel an order or correct a property condition.
34. Historic Properties
Washington, D.C. contains many individually designated landmarks and properties located within historic districts.
The current District seller-disclosure form expressly asks about:
- Landmark or historic-district status;
- Historic-property designation;
- Known historic-preservation violations; and
- Façade or conservation easements.
Fire restoration or demolition affecting a historic property can therefore require additional review.
35. Cleanup and Restoration
Any:
- Debris removal;
- Demolition;
- Construction;
- Asbestos work;
- Lead-related work;
- Hazardous-material handling;
- Environmental remediation; or
- Other regulated work
must comply with applicable:
- Licensing requirements;
- Environmental law;
- Worker-safety rules;
- Disposal requirements;
- Permits; and
- Other law.
Nothing in these Terms represents that we personally perform regulated contracting or environmental work unless legally authorized.
36. Inspections and Due Diligence
The Website markets a simplified as-is process and states that sellers do not need to complete repairs.
That does not prevent us from performing due diligence.
Due diligence may include:
- Visual inspection;
- Structural evaluation;
- Contractor estimates;
- Fire-damage assessment;
- Electrical evaluation;
- Environmental review;
- Mold review;
- Permit research;
- Code-enforcement research;
- Vacant-building research;
- Historic-status research;
- Tenant/TOPA analysis;
- Title review;
- Insurance review; and
- Other investigation.
37. Fast Offer and Closing Statements
Website references to:
- Immediate offers;
- Rapid cash offers;
- Fast closing;
- Swift closing;
- No repairs;
- No inspection hurdles;
- No commissions; or
- Similar terms
describe potential or intended transaction structures.
They are not guarantees.
Actual timing may depend on:
- Ownership;
- Title;
- Mortgages;
- Liens;
- Required seller disclosures;
- TOPA;
- Tenant notices;
- Foreclosure;
- Probate;
- Insurance;
- Code violations;
- Vacant-building issues;
- Historic review;
- Settlement requirements;
- Buyer funding; and
- Other circumstances.
38. Fair, Competitive, and “True Value” Claims
The Website describes cash offers as fair or competitive and refers to accurate market analysis.
Those statements do not guarantee that:
- The offer equals appraised fair market value;
- The offer equals repaired retail value;
- The offer exceeds every competing offer;
- The seller could not receive more through a traditional sale; or
- A specific valuation methodology will be used.
The executed purchase agreement controls the actual purchase price.
39. No Traditional Agent Commission
Where a seller completes a genuine direct transaction without a listing broker, a traditional listing commission may not apply.
If a licensed real estate professional participates, compensation will be governed by:
- Applicable brokerage agreements;
- Agency disclosures;
- Purchase agreements;
- Settlement documents; and
- District law.
40. District Real Estate Licensing
The District regulates real estate brokerage activity.
The statutory broker definition broadly addresses persons or entities that, for compensation or other valuable consideration, perform activities including:
- Listing property;
- Selling property;
- Purchasing property;
- Exchanging property;
- Renting or leasing property; and
- Negotiating certain real-estate transactions.
A business should not assume that calling itself an investor, acquisition company, wholesaler, or consultant automatically resolves licensing requirements.
41. Owner Exemption
District law contains a licensing exemption for an individual owner or lessor performing specified acts in the ordinary course of managing real estate, business, and investments owned by that individual.
The statutory language is narrower than a generic statement that every person or entity dealing in property for its own account is automatically exempt.
Entity-based acquisition structures, compensated referrals, contract assignments, negotiation for another, and repeated investment activity should therefore receive transaction-specific licensing review.
42. Contract Assignments and Wholesaling
As of October 8, 2026, I did not identify a separate District residential-wholesaler statute comparable to specialized wholesaling statutes enacted in certain states.
That does not mean all wholesaling practices are automatically outside District licensing, consumer-protection, TOPA, or contract law.
Relevant factors can include:
- Whether a genuine purchase agreement exists;
- Whether the agreement permits assignment;
- Whether contractual rights have actually been acquired;
- What is being advertised;
- Whether the contract holder claims to own legal title;
- Whether another person’s real estate is being marketed;
- Whether negotiations occur for another person;
- Whether referral or brokerage compensation is paid; and
- Whether an applicable licensing exemption actually exists.
43. Contractual Interest Is Not Legal Title
Holding a:
- Purchase agreement;
- Option;
- Assignment right; or
- Equitable interest
is different from holding record legal title.
A contract holder should not falsely represent that:
- It owns the property;
- It is the record owner;
- Title has already transferred;
- It is conveying record title when only contractual rights are being transferred; or
- It possesses rights beyond those granted by the agreement.
44. Assignment Depends on the Contract and Applicable Law
Whether a District purchase agreement may be assigned depends on:
- The contract;
- Anti-assignment provisions;
- Required consents;
- District contract law;
- Real estate licensing rules;
- TOPA;
- Foreclosure restrictions; and
- Other applicable requirements.
Nothing on the Website guarantees that a particular contract is assignable.
45. Tenant Opportunity to Purchase Act
Washington, D.C. has unusually significant tenant rights concerning sales of rental housing under the Tenant Opportunity to Purchase Act (“TOPA”).
Where TOPA applies, an owner generally may not complete a covered sale without first complying with applicable tenant purchase-opportunity requirements.
The exact requirements depend on:
- Number of units;
- Ownership structure;
- Tenant status;
- Property age;
- Type of transaction;
- Applicable statutory exemptions; and
- Other facts.
46. Single-Family Rental Properties
Most ordinary single-family accommodations do not have the full TOPA purchase process that applies to larger accommodations.
However, current District law generally requires an owner intending to sell a tenant-occupied single-family accommodation to provide the tenant written notice within three calendar days after receiving or soliciting in writing an offer to purchase, subject to the statutory framework.
Certain qualifying elderly tenants and tenants with disabilities who entered qualifying tenancies before the statutory 2018 dates retain additional purchase rights.
47. Two-to-Four-Unit Accommodations
Following amendments effective in late 2025, the TOPA treatment of two-to-four-unit properties depends significantly on ownership structure.
Qualifying two-to-four-unit accommodations owned in majority by a business corporation can remain subject to substantial tenant purchase rights and negotiation periods.
Qualifying two-to-four-unit accommodations not majority-owned by such a business corporation are generally exempt from the full subchapter but tenants retain the notice rights referenced by the statute.
The actual owner structure should therefore be determined before contracting.
48. Five-or-More-Unit Accommodations
For qualifying accommodations containing five or more units, TOPA can provide significant tenant-organization rights.
Current law provides, among other things, a process involving:
- Offer-of-sale requirements;
- Tenant-organization formation and registration;
- Negotiation periods generally not shorter than 120 days after registration;
- Financing and settlement periods; and
- Rights of first refusal.
An off-market cash buyer should not assume that a signed third-party contract immediately eliminates these rights.
49. Third-Party Purchasers and TOPA
A third-party purchaser’s rights are conditional on applicable tenant rights.
A purchaser or its agents must not interfere with tenants’ exercise of TOPA rights.
Where a purchaser negotiates with tenants concerning assignment or waiver of tenant rights, current law requires specified disclosures, including that the purchaser:
- Is interested in purchasing the accommodation;
- Is not a tenant organizer and does not represent the tenants’ interests; and
- Must inform tenants of their right to training from a certified tenant support provider before negotiations.
50. TOPA Right of First Refusal
Where applicable, a tenant or tenant organization generally has a 15-day right-of-first-refusal period after receiving a valid third-party sales contract, subject to statutory timing rules.
A direct acquisition should therefore treat TOPA compliance as a pre-closing condition where applicable.
51. No Guarantee of Vacant Possession
Purchase of a tenant-occupied or recently fire-vacated property does not automatically guarantee vacant possession.
A purchaser should evaluate:
- Existing tenancies;
- TOPA;
- Rental agreements;
- Rent-control status;
- Eviction restrictions;
- Tenant notices;
- Fire displacement;
- Security deposits;
- Housing-code requirements; and
- Other tenant protections.
52. Foreclosure and Financial Distress
The Website may attract homeowners who are:
- Behind on mortgage payments;
- Facing mortgage default;
- Facing foreclosure;
- Facing a tax sale;
- Experiencing financial hardship; or
- Seeking a rapid property sale.
We are not your:
- Lender;
- Mortgage servicer;
- Attorney;
- Housing counselor;
- Financial adviser;
- Loan-modification provider;
- Foreclosure-rescue adviser;
- Debt-settlement provider; or
- Fiduciary
unless a separate lawful relationship expressly establishes otherwise.
53. District Foreclosure Rescue Law
The District maintains unusually strict foreclosure-rescue rules.
A “foreclosure rescue service” generally includes a good or service promising assistance with:
- Avoiding or delaying actual or anticipated foreclosure; or
- Curing or addressing a residential mortgage default.
A “foreclosure rescue transaction” generally involves a transfer of an interest in residential property during or incident to a mortgage default, foreclosure, or tax-sale proceeding combined with a promised subsequent interest back to the homeowner, such as through:
- A contract for deed;
- Purchase agreement;
- Land-installment arrangement;
- Option to purchase;
- Sale-leaseback;
- Trust arrangement; or
- Similar contractual structure.
54. For-Profit Foreclosure Rescue Transactions Are Prohibited
District law makes it unlawful, for compensation or gain or potential or contingent gain, to:
- Engage in;
- Arrange;
- Offer;
- Promote;
- Promise;
- Solicit participation in; or
- Carry out
a covered foreclosure rescue transaction involving residential property in the District.
Accordingly, a commercial “sell us your home, lease it back, and buy it back later” structure during mortgage default or foreclosure can present serious District-law issues.
55. Foreclosure-Rescue Advertising
District law also prohibits advertising, offering, or promoting covered foreclosure-rescue transactions for gain.
Foreclosure-rescue services may not be advertised or promoted without clearly and conspicuously providing a precise description of:
- The goods or services offered; and
- How those services will assist the homeowner in avoiding or delaying foreclosure or curing default.
56. Fiduciary Duty for Foreclosure-Rescue Services
A person who advertises, offers, promotes, or provides foreclosure-rescue services to a homeowner owes a fiduciary duty to that homeowner under District law.
A direct property buyer should therefore avoid portraying itself as the homeowner’s foreclosure-rescue adviser.
57. Ordinary Permanent Sale Versus Prohibited Rescue Transaction
A bona fide permanent property purchase is not automatically the same thing as the prohibited foreclosure-rescue structure described above.
The key concern is the added promise or arrangement giving the distressed homeowner a later right or interest back in the property.
Transaction staff should not convert an ordinary acquisition into a:
- Sale-leaseback rescue;
- Repurchase-option rescue;
- Deed-and-buyback program;
- Contract-for-deed rescue; or
- Similar for-profit rescue transaction.
58. Requesting an Offer Does Not Stop Foreclosure
Submitting information to the Website, receiving an offer, or signing preliminary documents does not automatically:
- Stop foreclosure;
- Postpone a foreclosure sale;
- Cure default;
- Reinstate a mortgage;
- Modify a loan;
- Cancel a tax sale;
- Create forbearance; or
- Require a lender or servicer to delay enforcement.
Homeowners facing foreclosure should independently determine applicable deadlines.
59. Federal Mortgage-Assistance Rules
Where a separate activity constitutes mortgage-assistance-relief services under federal law, additional requirements may govern:
- Advance fees;
- Advertising;
- Consumer notices;
- Communications with lenders or servicers; and
- Consumer acceptance.
60. No Foreclosure-Relief Guarantees
Unless separately authorized and legally qualified, we do not represent that:
- We act for your lender;
- We act for your servicer;
- We act for the District or federal government;
- We guarantee foreclosure will stop;
- We guarantee a loan modification;
- We will negotiate your mortgage as your adviser;
- You should stop communicating with your lender;
- You should stop making legally required payments; or
- Selling to us is your only option.
61. Probate, Estate, Trust, and Inherited Property
Submitting inherited, probate, estate, or trust property does not establish legal authority to sell.
A transaction may require:
- Personal-representative authority;
- Executor or administrator authority;
- Trustee authority;
- Probate documentation;
- Participation of heirs or beneficiaries;
- Appropriate deeds; or
- Other evidence of authority.
62. Insurance Claims and Fire-Damage Proceeds
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:
- Coverage;
- Proof-of-loss requirements;
- Claim deadlines;
- Insurance proceeds;
- Repair obligations;
- Mortgagee rights;
- Recoverable depreciation;
- Additional living expenses;
- Assignment restrictions;
- Salvage rights; and
- Policy conditions.
63. Pending Insurance Claims
If property is transferred while an insurance claim remains pending, transaction documents should address the parties’ rights concerning:
- Existing proceeds;
- Supplemental proceeds;
- Recoverable depreciation;
- Future claim payments;
- Additional claims;
- Repair obligations;
- Salvage; and
- Related insurance benefits.
64. Insurance Rights Do Not Automatically Transfer
A real estate sale does not automatically transfer:
- The seller’s insurance policy;
- A pending insurance claim;
- Claim 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.
65. 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.
66. Federal Lead-Based Paint Disclosure
Federal lead-based-paint disclosure requirements may apply to qualifying residential housing constructed before 1978.
District-specific lead requirements may also apply.
Nothing on the Website replaces legally required lead forms.
67. 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.
68. District Recording Law
The District generally permits a private participant to record a wire or oral communication where:
- The recorder is a participant; or
- One participant has given prior consent,
unless the recording is made for the purpose of committing a criminal, tortious, or other injurious act.
Because interstate calls may involve a jurisdiction requiring all-party consent, additional notice or consent may be required.
Where another applicable jurisdiction imposes a stricter rule, the stricter requirement controls.
69. Text Messages
If you provide a mobile telephone number and applicable consent, we may communicate by text concerning:
- Your inquiry;
- Your property;
- Scheduling;
- Inspections;
- Offers;
- Follow-up; and
- Potential transactions.
Where required, additional consent will be obtained before regulated automated or marketing messages are sent.
Consent to marketing is not a condition of receiving an offer or selling property where prohibited by law.
Message and data rates may apply. Message frequency may vary.
Reply STOP to request that applicable messages stop.
70. 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.
71. Electronic Communications
Where permitted by law, you consent to receiving Website and transaction communications electronically.
This does not eliminate documents that applicable law requires to be provided in another form.
72. Privacy
Our handling of personal information is described in our Privacy Policy.
73. Independent Decision-Making
Selling fire-damaged real estate can have substantial:
- Legal;
- Tax;
- Financial;
- Insurance;
- Tenant;
- Construction;
- Historic-preservation;
- Environmental; and
- Personal consequences.
You may wish to consult:
- A District of Columbia attorney;
- A licensed District real estate professional;
- A landlord-tenant or TOPA attorney where appropriate;
- A tax professional;
- An accountant;
- An insurance professional;
- A properly licensed contractor;
- An engineer;
- An environmental professional;
- An appraiser;
- A HUD-approved housing counselor; or
- Another qualified adviser.
74. 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;
- Tenant-law advice;
- Mortgage advice; or
- Foreclosure advice.
75. No Automatic Agency or Fiduciary Relationship
Use of the Website does not itself create:
- Seller agency;
- Buyer agency;
- Brokerage;
- A fiduciary relationship;
- Partnership;
- Joint venture; or
- Employment.
If a licensed District real estate professional participates, applicable brokerage and agency documentation controls.
76. 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 security;
- Abuse Website forms;
- Interfere with Website operation; or
- Violate another person’s rights.
77. 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 Washington DC.
You may not commercially reproduce protected Website content without authorization.
78. Third-Party Websites and Services
We are not responsible for independent third-party:
- Websites;
- Privacy practices;
- Content;
- Security;
- Products;
- Services;
- Representations; or
- Conduct.
79. Website Availability
We may modify, restrict, suspend, or discontinue Website features.
Continuous, uninterrupted, secure, or error-free availability is not guaranteed.
80. No Guarantee of Transaction
We do not guarantee:
- An offer;
- Fair-market-value pricing;
- A particular purchase price;
- A particular closing date;
- Successful assignment;
- Insurance recovery;
- Vacant possession;
- TOPA clearance;
- Resolution of code violations;
- Completion of a transaction; or
- A particular financial result.
81. Marketing Claims
Website statements describing our offers or process as:
- Fair;
- Competitive;
- Immediate;
- Rapid;
- Accurate;
- Transparent;
- Hassle-free;
- No-pressure;
- No-fee; or
- Similar language
describe intended or possible service characteristics and do not guarantee a particular economic outcome.
The executed transaction documents control.
82. Testimonials
Testimonials describe individual reported experiences.
They do not guarantee that another seller will receive:
- The same offer;
- The same timing;
- The same transaction structure; or
- The same result.
83. 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 protections that applicable law does not permit to be waived.
84. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE WASHINGTON DC AND ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, AND BUSINESS PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING SOLELY FROM WEBSITE USE.
OUR AGGREGATE LIABILITY FOR CLAIMS ARISING SOLELY FROM WEBSITE USE WILL NOT EXCEED $500, TO THE MAXIMUM EXTENT PERMITTED BY LAW.
This Website-only limitation does not govern rights or liabilities under separately executed:
- Purchase agreements;
- Assignment agreements;
- Brokerage agreements;
- TOPA documents;
- Tenant agreements;
- Foreclosure-related agreements;
- Insurance-related agreements;
- Contractor agreements; or
- Other transaction-specific documents
unless those documents expressly provide otherwise and applicable law permits it.
85. Independent Third Parties
To the maximum extent permitted by law, we are not responsible for independent third-party:
- Representations;
- Pricing;
- Contracts;
- Professional services;
- Performance;
- Privacy practices; or
- Conduct.
Nothing in this section eliminates liability that applicable law does not permit to be excluded.
86. Indemnification
To the extent permitted by law, you agree to indemnify I Buy Houses With Fire Damage Washington DC 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.
87. Governing Law
These Terms are governed by the laws of the District of Columbia, except where another law must apply.
88. Venue and Disputes
Subject to mandatory jurisdiction, venue, consumer-protection, TOPA, landlord-tenant, foreclosure, and transaction-specific requirements, proceedings arising solely from Website use may be brought in a court of competent jurisdiction in the District of Columbia.
These Website Terms do not impose mandatory arbitration.
A separately executed transaction agreement may contain different enforceable dispute provisions.
89. Non-Waivable District Rights
Nothing in these Terms waives rights that cannot legally be waived under applicable:
- District residential real-property seller-disclosure law;
- District Real Estate Licensing Law;
- District real estate brokerage law;
- Tenant Opportunity to Purchase Act;
- District landlord-tenant law;
- District foreclosure-rescue law;
- District Consumer Protection Procedures Act;
- District security-breach and data-security law;
- District communications-interception law;
- District vacant- and blighted-building law;
- District building and historic-preservation requirements;
- Federal mortgage-assistance rules;
- Federal lead-disclosure law; or
- Other applicable law.
90. Transaction Agreements Control
These Website Terms do not replace:
- Purchase agreements;
- Assignment agreements;
- Brokerage agreements;
- Seller’s Property Condition Statements;
- Condominium resale disclosures;
- TOPA notices and offers of sale;
- Tenant agreements;
- Foreclosure-related documents;
- Title documents;
- Settlement documents;
- Insurance-related agreements;
- Contractor agreements; or
- Other transaction-specific documents.
A separately executed transaction agreement governs that transaction to the extent enforceable.
91. 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.
92. 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.
93. No Waiver
Failure to enforce a provision does not waive the right to enforce it later.
94. 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 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;
- District contract law;
- District real estate licensing law;
- TOPA;
- Foreclosure restrictions;
- Tenant rights; and
- Other applicable requirements.
95. Entire Agreement Regarding Website Use
These Terms and the Privacy Policy govern Website use.
They do not supersede separately executed real estate transaction documents.
96. Contact Us
Questions concerning these Terms may be directed to:
I Buy Houses With Fire Damage Washington DC / Firehouse Buyer
Washington, District of Columbia
United States
Website: ibuyhouseswithfiredamagewashingtondc.com