GET AN OFFER

Terms and Conditions

Effective Date: October 9, 2026
Last Updated: October 9, 2026

These Terms and Conditions (“Terms”) govern your access to and use of ibuyhouseswithfiredamageindianapolis.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Indianapolis (“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 is itself a binding offer to purchase real estate.

2. Our Role

The Website presently describes our business primarily as a direct cash purchaser of fire-damaged property in Indianapolis.

Depending on the transaction, we may act as:

Our actual role depends on our conduct and transaction documents.

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

3. Direct Purchase Model

Where we seek to purchase property for our own account:

4. No Obligation to Sell

Submitting property 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 execute an 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 information, you represent that:

A submission by one co-owner does not necessarily authorize that person to bind every other owner.

7. Agents, Wholesalers, and Other Representatives

A person submitting information as an agent, wholesaler, contract holder, attorney-in-fact, trustee, personal representative, or other representative is responsible for having lawful authority.

Nothing on the Website authorizes:

8. Property Research

We may research:

9. Property Assessments

The Website describes property evaluation as part of the offer process.

An evaluation may include:

An evaluation performed for our acquisition purposes is not automatically:

10. “No Inspection” Marketing

The Website contains marketing language suggesting that sellers can avoid inspections.

That statement should be understood to mean that the seller may not be required to obtain or pay for a conventional pre-sale inspection.

It does not mean that:

11. Preliminary Offers

Any preliminary:

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

A preliminary offer may change following due diligence.

12. Offer Methodology

Potential offers may consider:

No particular methodology or price is guaranteed.

13. Binding Transactions

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

Closing may depend on:

14. Indiana Residential Real Estate Sales Disclosure

Indiana generally requires an owner selling covered residential real estate containing one to four dwelling units to complete a seller disclosure concerning the known physical condition of the property.

The current official disclosure is State Form 46234 (R9 / 2-26).

A cash or investor purchase is not automatically exempt merely because:

15. Disclosure Before Offer Acceptance

For a covered transaction, the owner generally must:

before an offer for the sale is accepted.

Before closing, an accepted offer generally is not enforceable against the buyer until the owner and buyer have signed the disclosure form.

16. Current 2026 Disclosure Form

Indiana updated State Form 46234 in 2026.

The current revision is identified as:

State Form 46234 (R9 / 2-26).

Transaction staff should use the current official form rather than an older R6, R7, or R8 version still circulating online.

17. Current Form Does Not Have One Standalone Fire-Damage Question

The current R9 / 2-26 form does not contain one universal standalone checkbox asking simply whether the property has experienced a fire.

Instead, a prior fire may affect numerous required answers concerning actual property condition.

Depending on the damage, relevant sections may involve:

18. Known Fire Conditions Must Be Reflected Truthfully

A seller should therefore not conclude that historical fire damage is irrelevant merely because the current form lacks one box labeled “fire damage.”

For example, a fire may create or contribute to:

Applicable questions should be answered based on the seller’s current actual knowledge.

19. Seller’s Current Actual Knowledge

Indiana’s disclosure is based on the seller’s current actual knowledge.

The seller should not:

Unknown information may be identified as unknown where legally appropriate.

20. Disclosure Is Not a Warranty

The statutory disclosure form is not itself:

The parties may separately address inspections, warranties, credits, repairs, and other conditions in the purchase agreement.

21. Material Changes Before Settlement

At or before settlement, the seller generally must either:

This can be especially relevant to a fire-damaged property where deterioration may continue before closing.

22. Late Disclosure Revealing a Defect

If a buyer receives a disclosure or amended disclosure after the offer has been accepted and it reveals a defect, Indiana law generally allows the buyer to nullify the contract within two business days after receiving the disclosure by delivering written rescission.

The buyer generally is entitled to return of deposits.

This is a limited statutory rescission right and is not a general two-day cooling-off period for every Indiana real estate transaction.

23. Seller Disclosure Exemptions

Indiana provides specified exemptions, including qualifying:

An exemption should be verified for the actual transaction.

24. Probate and Inherited Property

The fact that a property was inherited does not automatically answer whether Indiana’s seller-disclosure exemption applies.

A qualifying fiduciary transfer in administration of an estate may be situated differently from a later sale by heirs who already hold title.

The actual transferor and transaction structure control.

25. No Universal Fire-Document Package

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

to every prospective purchaser.

A specific record may nevertheless be:

26. As-Is Transactions

The Website markets purchases in as-is condition.

“As-is” generally means the purchaser may agree to acquire the property without requiring the seller to complete repairs.

It does not automatically eliminate:

27. No Universal Repair Requirement Before Sale

Indiana does not impose one general statewide requirement that every fire-damaged home be fully restored before transfer.

A property may potentially be sold while damaged.

However, separate:

may affect the property.

28. Indianapolis Improvement Location and Construction Requirements

Indianapolis-Marion County zoning rules generally require structures being located, erected, altered, or repaired to comply with applicable codes and land-use regulations.

Depending on the scope of work, an Improvement Location Permit, structural permit, or other approval may be required unless an exemption applies.

Fire-damage repair should therefore be evaluated based on the actual property and proposed work.

29. Fire-Damage Repairs

Fire restoration can involve regulated work concerning:

Different permits or inspections may apply to different work.

30. Unsafe Buildings and Code Enforcement

A fire-damaged property may be subject to:

A transfer of ownership does not automatically erase an existing property-related violation or order.

31. Existing Nonconforming Property

Indianapolis zoning rules contain special provisions governing restoration of legally established nonconforming uses and structures damaged by fire or other events.

Whether a building can be restored to its prior form may depend on matters such as:

A fire-damaged nonconforming property should receive parcel-specific review before rehabilitation assumptions are made.

32. Cleanup and Restoration

The Website states that cleanup may be handled as part of the transaction.

Any:

must comply with applicable law.

Nothing in these Terms represents that we personally perform regulated contracting or environmental work unless legally authorized.

33. Inspections and Due Diligence

A direct or as-is purchase does not prevent buyer diligence permitted by the purchase agreement.

Due diligence may include:

34. Fast Offer Claims

The Website advertises cash offers in approximately 24 hours.

That statement describes intended or possible timing and is not a guarantee.

An offer may take longer depending on:

35. Fast Closing Claims

Any Website statement concerning a quick or expedited closing describes a possible transaction structure rather than a guaranteed deadline.

Actual closing may depend on:

36. “True Value,” Fair, and Competitive Offers

The Website describes offers as fair, competitive, or reflective of a property’s true value.

Those statements should not be interpreted as guarantees that:

A cash-investor offer can reflect anticipated repairs, risk, holding costs, resale expenses, and investor return.

37. No Agent Commissions

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

If an Indiana real estate licensee participates, any compensation obligations are governed by applicable:

38. Indiana Real Estate Licensing

Indiana requires appropriate licensure for persons performing regulated real estate brokerage activity for others.

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

Nothing on this Website authorizes unlicensed brokerage.

39. Owner and Principal-Purchaser Activity

Indiana’s licensing law contains exceptions for specified acts concerning property a person owns or is acquiring for the person’s own account.

Accordingly, a genuine investor purchasing property as principal may operate differently from a broker representing someone else.

The exception should not be used to disguise brokerage activity actually performed for another for compensation.

40. Indiana Unlicensed Real Estate Solicitation Law

Indiana Code Chapter 32-21-16.5 regulates specified solicitations involving an unlicensed real estate solicitor.

Where that chapter applies, the solicitation generally must include:

“This solicitation is not from a licensed real estate professional.”

The disclosure also generally must identify:

41. Solicitation Includes Websites and Calls

For purposes of that law, solicitation expressly includes methods such as:

Where the statute applies, compliance therefore must extend beyond the purchase contract itself.

42. Important Principal-Purchaser Exception

Indiana’s definition of “unlicensed real estate solicitor” excludes specified persons.

Among the exceptions is a person who offers to purchase or purchases a home with the intent to:

Accordingly, a genuine direct buyer intending to close and take title may be situated differently from an acquisition model that solicits primarily to obtain and resell contract rights.

The actual facts control.

43. Two-Day Rescission for Defective Solicitation Disclosure

Where Chapter 32-21-16.5 applies and a required solicitation disclosure does not satisfy the statute, the homeowner generally may nullify the agreement within two days after entering into it by delivering written rescission to the unlicensed solicitor or its agent.

The homeowner is not liable for exercising that statutory right.

A violation may also constitute a deceptive act subject to Attorney General enforcement.

44. Disclosure Changes Before Contract

Where the unlicensed-solicitor statute applies, before entering into a written agreement the solicitor must inform the homeowner whether information previously supplied in the required solicitation disclosure has changed.

This can be important where the identity of the expected purchaser changes before signing.

45. Wholesaling and Contract Assignment

Indiana does not prohibit a genuine contracting principal from assigning contractual rights merely because the transaction may generate a profit.

However, compliance depends on:

46. Contractual Interest Is Not Legal Title

Holding a:

is different from holding record title.

A contract holder should not falsely represent that:

47. Marketing the Contract Interest Versus the Property

A person who has only contractual rights should carefully distinguish between:

Conduct that crosses into brokerage for another may trigger licensing requirements.

48. Assignment Depends on the Contract

Whether a purchase agreement may be assigned depends on:

Nothing on the Website guarantees assignability.

49. Written Agency Agreements for Licensed Brokers

Where an Indiana licensed broker acts as an agent for a seller or buyer, Indiana requires qualifying listing and buyer representation agreements to be in writing and to meet applicable statutory requirements.

A principal cash purchase does not by itself create a brokerage relationship.

50. Foreclosure and Financial Distress

The Website may attract homeowners who are:

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

51. Indiana Mortgage Rescue Protection Fraud Law

Indiana separately regulates foreclosure consultants and foreclosure reconveyance arrangements under Article 24-5.5.

These laws should be distinguished from an ordinary permanent arm’s-length sale.

52. Foreclosure Consultant

A foreclosure consultant can include a person who represents that services will:

A direct purchaser should not market itself as the seller’s foreclosure consultant unless the relationship separately complies with those laws.

53. Foreclosure Consultant Cannot Acquire the Client’s Residence

A covered foreclosure consultant generally may not directly or indirectly acquire an interest in residential real property in foreclosure from a homeowner with whom the consultant contracted.

Accordingly, acquisition and foreclosure-consulting roles should remain clearly separated.

54. Foreclosure Consultant Compensation

Indiana generally prohibits a covered foreclosure consultant from collecting compensation until the promised services have been fully performed unless applicable statutory security requirements are satisfied.

Indiana also requires specified disclosures, contract terms, and records.

55. Seven-Business-Day Mortgage Rescue Rescission

Indiana’s Mortgage Rescue Protection Fraud Act provides that a homeowner generally may rescind a covered foreclosure consultant contract until midnight of the seventh business day after signing.

This is longer than the three-business-day cancellation language contained in Indiana’s separate credit-services statute.

Where a contract is subject to both laws, the Mortgage Rescue Protection Fraud Act governs the applicable rescission under the cross-reference in the credit-services statute.

56. Foreclosure Reconveyance

A “foreclosure reconveyance” generally involves:

This can include certain:

An ordinary permanent sale with no promised interest back is different.

57. Seven-Business-Day Reconveyance Rescission

A homeowner entering a covered foreclosure reconveyance generally may rescind until midnight of the seventh business day after the homeowner transfers the relevant property interest.

Nothing in these Website Terms limits that right.

58. Restrictions During Reconveyance Cancellation

Until the applicable rescission period expires, a covered foreclosure purchaser generally may not take specified prohibited actions concerning:

Applicable statutory procedures control.

59. Ability-to-Pay Review and Formal Settlement

Before entering a covered foreclosure reconveyance, Indiana requires specified protections that can include:

A sale-leaseback or repurchase arrangement should therefore receive transaction-specific legal review.

60. Resale-Proceeds Protection

Where property subject to a covered foreclosure reconveyance is sold within 18 months after the agreement and title is not reconveyed as required, Indiana law can require payment to the homeowner of at least 66% of the net proceeds from resale, within the statutory period.

This specialized rule should not be confused with an ordinary permanent cash sale.

61. No Misleading “Save Your Home” Statements

A foreclosure purchaser in a covered reconveyance may not falsely represent that it:

where the transaction does not actually result in the homeowner redeeming or retaining the property as represented.

62. Requesting an Offer Does Not Stop Foreclosure

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

Homeowners facing foreclosure should independently verify all applicable deadlines.

63. Indiana Foreclosure Prevention Resources

Indiana provides public foreclosure-prevention resources and settlement-conference procedures for qualifying homeowners.

A homeowner may wish to consult:

before deciding whether a property sale is appropriate.

64. No Foreclosure-Relief Guarantees

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

65. Federal Mortgage-Assistance Rules

Where separate activity constitutes mortgage-assistance-relief services under federal law, federal requirements can regulate:

66. Probate, Estate, Trust, and Inherited Property

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

A transaction may require:

67. 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:

68. Pending Insurance Claims

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

69. Insurance Rights Do Not Automatically Transfer

A property sale does not automatically transfer:

Those matters depend on policy language, applicable law, mortgage-holder rights, insurer requirements, and transaction documents.

70. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

A seller seeking help negotiating an insurance claim should work with an appropriately qualified and, where required, licensed insurance professional or attorney.

71. Tenant-Occupied Property

A sale does not automatically terminate every lawful tenancy.

A purchaser should evaluate:

A property appearing physically vacant after a fire should not automatically be assumed to be legally free of tenancy rights.

72. 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.

73. Homeowners Associations

Where residential property is subject to qualifying homeowners-association governing documents, Indiana law and the transaction may require specified association information or governing documents before closing.

Association assessments, covenants, restrictions, insurance, and pending charges should be reviewed separately.

74. 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.

75. Indiana Recording Law

Indiana generally permits a participant in a telephone or other transmitted electronic communication to record because the statutory definition of interception applies to recording by someone other than the sender or receiver without participant consent.

Accordingly, Indiana generally operates as a one-party-consent jurisdiction for ordinary calls.

Interstate communications may involve stricter laws.

Where another applicable jurisdiction requires all-party consent or additional notice, the stricter requirement should be followed.

76. Text Messages

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

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

Consent to marketing is not a condition of receiving an offer or selling property where prohibited.

Message and data rates may apply. Message frequency may vary.

Reply STOP to request that applicable messages stop.

77. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will contain an unsubscribe mechanism.

78. Electronic Communications

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

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

79. Privacy

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

80. Independent Decision-Making

Selling fire-damaged real estate can have significant:

You may wish to consult:

81. No Professional Advice

Website content does not constitute individualized:

82. No Automatic Brokerage, Agency, or Fiduciary Relationship

Use of the Website does not itself create:

Where a licensed Indiana real estate professional participates, applicable representation agreements and professional duties control.

83. Acceptable Use

You may not:

84. 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 Indianapolis.

You may not commercially reproduce protected content without authorization.

85. Third-Party Websites and Services

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

86. Website Availability

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

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

87. No Guarantee of Transaction

We do not guarantee:

88. Marketing Claims

Website statements describing our process or offers as:

describe intended service characteristics or marketing positions and do not guarantee a particular economic result.

The executed transaction documents control.

89. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

90. Disclaimer of Warranties

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

WE DISCLAIM WARRANTIES THAT MAY LAWFULLY BE DISCLAIMED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

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

91. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE INDIANAPOLIS 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 that agreement expressly provides otherwise and applicable law permits it.

92. Independent Third Parties

To the maximum extent permitted by law, we are not responsible for unaffiliated third parties’ independent:

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

93. Indemnification

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

94. Governing Law

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

95. 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 Indiana.

These Website Terms do not impose mandatory arbitration.

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

96. Non-Waivable Indiana Rights

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

97. Transaction Agreements Control

These Website Terms do not replace:

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

98. 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.

99. 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.

100. No Waiver

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

101. 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:

102. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

103. Contact Us

Questions concerning these Terms may be directed to:

I Buy Houses With Fire Damage Indianapolis
Indianapolis, Indiana
United States

Website: ibuyhouseswithfiredamageindianapolis.com