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:
- Fire-damaged property;
- Smoke-damaged property;
- Water-damaged property;
- Structurally damaged property;
- Distressed property;
- Vacant property;
- Tenant-occupied property;
- Inherited property;
- Probate or estate property;
- Property facing foreclosure;
- Property subject to liens or judgments;
- Property requiring cleanup;
- Property requiring substantial repairs; 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 Indiana real estate professionals where legally required; or
- Decline the opportunity.
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:
- 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 our conduct and transaction documents.
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 lender;
- Mortgage broker;
- Mortgage servicer;
- Loan-modification provider;
- Foreclosure consultant;
- Credit-repair organization; or
- Other professional adviser.
3. Direct Purchase Model
Where we seek to purchase property for our own account:
- Our financial interests may differ from the seller’s interests;
- We may seek a price accounting for damage, repairs, cleanup, holding costs, closing expenses, risk, and investment return;
- We negotiate for ourselves unless another written relationship provides otherwise; and
- We do not automatically owe the seller the duties of a seller’s broker, fiduciary, attorney, appraiser, or financial adviser.
4. No Obligation to Sell
Submitting property information or requesting an offer does not obligate you to sell.
A Website 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:
- Inspect the property;
- Make an offer;
- Maintain an offer;
- Continue negotiations;
- Purchase the property; or
- Complete a transaction.
6. Eligibility and Authority
By using the Website or submitting information, you represent that:
- You are at least 18 years old;
- You have legal capacity to contract;
- Information you provide is materially accurate to the best of your knowledge;
- You own the property or are lawfully authorized 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 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:
- Unlicensed brokerage;
- Unauthorized solicitation;
- Misrepresentation of ownership;
- Unauthorized marketing of another person’s property;
- Unauthorized disclosure of another person’s information; or
- Violation of an existing agreement.
8. Property Research
We may research:
- Ownership;
- Recorded deeds;
- Mortgages;
- Liens;
- Judgments;
- Taxes;
- Foreclosure status;
- Property condition;
- Fire and smoke damage;
- Structural condition;
- Roof and foundation;
- Electrical and plumbing systems;
- Heating and cooling;
- Repairs;
- Permits;
- Code-enforcement matters;
- Insurance claims;
- Occupancy;
- Probate;
- Comparable sales; and
- Other information relevant to evaluating an acquisition.
9. Property Assessments
The Website describes property evaluation as part of the offer process.
An evaluation may include:
- Visual inspection;
- Photography;
- Contractor review;
- Structural review;
- Repair estimates;
- Environmental review;
- Permit research;
- Code-enforcement research;
- Title review;
- Insurance review; and
- Other due diligence.
An evaluation performed for our acquisition purposes is not automatically:
- An appraisal;
- A professional home inspection;
- An engineering report;
- A warranty;
- A valuation prepared for the seller; or
- Professional advice to the seller.
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:
- We will never inspect the property;
- We will waive all due diligence;
- A contractor or engineer will never evaluate damage;
- A governmental inspection will never be required; or
- The purchase agreement cannot provide for property access or diligence.
11. Preliminary Offers
Any preliminary:
- Cash offer;
- Estimated offer;
- Property valuation;
- Price range;
- Repair estimate; or
- Similar communication
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:
- Existing property condition;
- Extent of fire or smoke damage;
- Structural damage;
- After-repair value;
- Comparable sales;
- Repair costs;
- Cleanup costs;
- Permit expenses;
- Holding expenses;
- Taxes;
- Insurance;
- Closing expenses;
- Market conditions;
- Risk; and
- Expected investment return.
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:
- Ownership verification;
- Authority to sell;
- Title;
- Mortgages;
- Liens;
- Judgments;
- Taxes;
- Seller disclosures;
- Statutory solicitation disclosures;
- Property access;
- Due diligence;
- Probate;
- Foreclosure status;
- Insurance;
- Buyer funding;
- Indianapolis permits or code requirements;
- Closing-provider requirements; and
- Other legal or contractual conditions.
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:
- The purchaser is an investor;
- The property is sold as-is;
- No listing broker participates;
- The property is fire-damaged; or
- The parties want to close quickly.
15. Disclosure Before Offer Acceptance
For a covered transaction, the owner generally must:
- Complete the disclosure;
- Sign it; and
- Submit it to the prospective purchaser
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:
- Smoke or fire alarms;
- Electrical systems;
- Roof condition;
- Structural problems;
- Moisture or water conditions;
- Hazardous conditions;
- Mold or biological contaminants;
- Asbestos;
- Building-code violations;
- Governmental notices;
- Additions or alterations without required permits; and
- Other known defects.
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:
- Damaged electrical wiring;
- Structural weakness;
- Roof damage;
- Smoke contamination;
- Water intrusion;
- Mold;
- Hazardous-material disturbance;
- Damaged fire alarms;
- Unpermitted restoration;
- Building-code violations; or
- Governmental repair orders.
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:
- Guess;
- Conceal known defects;
- Mark “unknown” when the seller actually knows the condition; or
- Make misleading statements concerning repairs.
Unknown information may be identified as unknown where legally appropriate.
20. Disclosure Is Not a Warranty
The statutory disclosure form is not itself:
- A warranty;
- An appraisal;
- A guarantee;
- A substitute for inspection; or
- A promise that every system is free of defects.
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:
- Disclose a material change in the physical condition of the property; or
- Certify that the property’s condition is substantially the same as when the disclosure form was provided.
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:
- Court-ordered transfers;
- Foreclosure sales;
- Transfers by bankruptcy trustees;
- Certain transfers by mortgagees following foreclosure;
- Deeds in lieu of foreclosure;
- Certain fiduciary estate, guardianship, conservatorship, or trust transfers;
- Co-owner transfers;
- Certain family transfers;
- Tax-related transfers;
- Governmental transfers;
- First sales of never-occupied dwellings; and
- Transfers to living trusts.
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:
- Fire-department report;
- Insurance claim file;
- Adjuster report;
- Contractor invoice;
- Engineering report;
- Photograph;
- Permit;
- Repair estimate;
- Environmental report; or
- Inspection record
to every prospective purchaser.
A specific record may nevertheless be:
- Relevant to explaining a disclosure;
- Required by contract;
- Requested during due diligence;
- Required by an insurer or lender;
- Required by Indianapolis; or
- Required under another law.
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:
- Indiana seller-disclosure duties;
- Fraud or misrepresentation liability;
- Contract representations;
- Federal disclosures;
- Solicitation disclosures;
- Foreclosure protections;
- Title obligations;
- Government orders; or
- Other non-waivable duties.
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:
- Building-code requirements;
- Unsafe-building orders;
- Repair orders;
- Demolition orders;
- Structural permits;
- Trade permits;
- Zoning requirements;
- Utility restrictions;
- Environmental requirements;
- Insurance obligations; and
- Contract terms
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:
- Structural framing;
- Roofing;
- Electrical wiring;
- Plumbing;
- Mechanical systems;
- Fire alarms;
- Interior reconstruction;
- Exterior reconstruction;
- Demolition;
- Utility service;
- Mold or environmental conditions; and
- Other building systems.
Different permits or inspections may apply to different work.
30. Unsafe Buildings and Code Enforcement
A fire-damaged property may be subject to:
- Code-enforcement investigations;
- Orders to repair;
- Unsafe-building findings;
- Orders to demolish;
- Restricted occupancy;
- Utility restrictions;
- Liens;
- Court proceedings; or
- Other governmental action.
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:
- Residential use;
- Extent of destruction;
- Location;
- Flood-control zoning;
- Prior legal status; and
- Other zoning rules.
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:
- Debris removal;
- Demolition;
- Construction;
- Asbestos work;
- Lead-related work;
- Hazardous-material handling;
- Environmental remediation; or
- Other regulated service
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:
- Visual inspection;
- Structural evaluation;
- Contractor estimates;
- Electrical evaluation;
- Fire-damage assessment;
- Mold investigation;
- Permit research;
- Code-enforcement research;
- Title review;
- Insurance review; and
- Other investigation.
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:
- Property access;
- Damage severity;
- Ownership;
- Title;
- Available records;
- Market information;
- Insurance issues; and
- Other circumstances.
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:
- Title;
- Ownership;
- Liens;
- Mortgages;
- Seller disclosures;
- Solicitation compliance;
- Probate;
- Foreclosure;
- Insurance;
- Property access;
- Buyer funding;
- Closing-provider requirements;
- Indianapolis orders or permits; and
- Other circumstances.
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:
- The offer equals appraised fair market value;
- The offer equals repaired retail value;
- No other purchaser would pay more;
- The seller could not achieve a higher price by listing publicly; or
- A particular valuation formula will always be used.
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:
- Representation agreements;
- Agency documents;
- Purchase agreements;
- Closing statements; and
- Indiana law.
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:
- The legal name of the unlicensed solicitor; and
- The legal name of the expected purchaser where that purchaser is different.
41. Solicitation Includes Websites and Calls
For purposes of that law, solicitation expressly includes methods such as:
- Websites;
- Email;
- Text messages;
- Telephone calls;
- Social media;
- Postcards and mailers;
- Yard signs;
- Radio;
- Television;
- Billboards; and
- Other print or electronic methods.
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:
- Take title;
- Record the deed; and
- Use the home as a personal residence or investment.
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:
- The person’s actual role;
- The purchase agreement;
- Whether assignment is permitted;
- Whether the person is genuinely acquiring for its own account;
- What is being marketed;
- What representations are made;
- Applicable solicitation disclosures; and
- Indiana licensing law.
46. Contractual Interest Is Not Legal Title
Holding a:
- Purchase agreement;
- Option;
- Assignment right; or
- Equitable interest
is different from holding record title.
A contract holder should not falsely represent that:
- It owns the property;
- It is the deed owner;
- Title has already transferred;
- It is conveying legal title when only contractual rights are being assigned; or
- It has rights greater than those created by the agreement.
47. Marketing the Contract Interest Versus the Property
A person who has only contractual rights should carefully distinguish between:
- Marketing or assigning its own contractual interest; and
- Acting as though it owns or has authority to market another person’s real estate.
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:
- Contract language;
- Anti-assignment provisions;
- Required consent;
- Indiana contract law;
- Applicable solicitation law;
- Real estate licensing law;
- Foreclosure-related protections; and
- Other applicable requirements.
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:
- Behind on mortgage payments;
- Facing foreclosure;
- Experiencing financial hardship;
- Facing tax problems; or
- Seeking a rapid sale.
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:
- Prevent or postpone initiation of foreclosure;
- Reverse the effect of a foreclosure proceeding;
- Allow the homeowner to remain as a tenant or renter during or after foreclosure; or
- Give the homeowner an option to repurchase the residence after foreclosure.
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:
- A homeowner transferring an interest in property during or incident to foreclosure; and
- A subsequent conveyance or promise of an interest back to the homeowner that allows the homeowner to remain in possession.
This can include certain:
- Sale-leaseback structures;
- Buy-back arrangements;
- Repurchase options; or
- Similar rescue transactions.
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:
- Recording homeowner-signed documents;
- Transferring the property interest;
- Encumbering the property; or
- Purporting to transfer or encumber it.
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:
- Verification of the homeowner’s reasonable ability to perform a promised reconveyance;
- Written homeowner-rights notices;
- Formal settlement; and
- Statutory security requirements.
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:
- Acts as the homeowner’s adviser;
- Acts on the homeowner’s behalf;
- Is saving the homeowner’s residence; or
- Is preventing foreclosure
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:
- Stop foreclosure;
- Cancel a sheriff’s sale;
- Extend a court deadline;
- Cure default;
- Reinstate a loan;
- Modify a mortgage;
- Create forbearance; or
- Require a lender or servicer to delay enforcement.
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:
- The Indiana Foreclosure Prevention Network;
- A HUD-approved housing counselor;
- An attorney; or
- The homeowner’s mortgage servicer
before deciding whether a property sale is appropriate.
64. No Foreclosure-Relief Guarantees
Unless separately authorized and legally qualified, we do not represent that:
- We act for your lender;
- We act for your mortgage servicer;
- We act for Indiana or the federal government;
- We guarantee foreclosure will stop;
- We guarantee a loan modification;
- We will negotiate your mortgage as your adviser;
- You should stop contacting your lender;
- You should stop making required payments; or
- Selling to us is your only option.
65. Federal Mortgage-Assistance Rules
Where separate activity constitutes mortgage-assistance-relief services under federal law, federal requirements can regulate:
- Advance fees;
- Advertising;
- Consumer notices;
- Communications with lenders or servicers; and
- Consumer acceptance procedures.
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:
- Personal-representative authority;
- Executor or administrator authority;
- Trustee authority;
- Court documentation;
- Participation of heirs or beneficiaries;
- Appropriate deeds; or
- Other evidence of authority.
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:
- 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:
- Insurance coverage;
- Proof-of-loss requirements;
- Claim deadlines;
- Insurance proceeds;
- Repair obligations;
- Mortgagee rights;
- Recoverable depreciation;
- Additional living expenses;
- Assignment restrictions;
- Salvage; and
- Policy conditions.
68. Pending Insurance Claims
If property is sold while a claim remains pending, the transaction documents should address rights concerning:
- Existing proceeds;
- Supplemental proceeds;
- Recoverable depreciation;
- Future payments;
- Additional claims;
- Repair obligations;
- Salvage; and
- Other insurance benefits.
69. Insurance Rights Do Not Automatically Transfer
A property sale does not automatically transfer:
- The seller’s insurance policy;
- A pending insurance claim;
- Insurance proceeds;
- Recoverable depreciation; or
- Other contractual policy rights.
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:
- Existing leases;
- Month-to-month tenancies;
- Security deposits;
- Habitability conditions;
- Fire displacement;
- Required notices;
- Possession rights; and
- Applicable Indiana landlord-tenant law.
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:
- Your property;
- Research;
- Scheduling;
- Evaluations;
- Offers;
- Follow-up; and
- Potential transactions.
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:
- Your inquiry;
- Property research;
- Scheduling;
- Offers;
- Follow-up; and
- Potential transactions.
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:
- Your property;
- Potential offers;
- Evaluations;
- Due diligence;
- Scheduling;
- Follow-up;
- Services; and
- Potential transactions.
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:
- Legal;
- Tax;
- Financial;
- Insurance;
- Construction;
- Environmental; and
- Personal consequences.
You may wish to consult:
- An Indiana attorney;
- A licensed Indiana real estate professional;
- A tax professional;
- An accountant;
- An insurance professional;
- A contractor;
- An engineer;
- An environmental professional;
- An appraiser;
- A HUD-approved housing counselor; or
- Another qualified adviser.
81. No Professional Advice
Website content does not constitute individualized:
- Legal advice;
- Tax advice;
- Accounting advice;
- Financial advice;
- Insurance advice;
- Engineering advice;
- Construction advice;
- Environmental advice;
- Appraisal advice;
- Mortgage advice; or
- Foreclosure advice.
82. No Automatic Brokerage, 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.
Where a licensed Indiana real estate professional participates, applicable representation agreements and professional duties control.
83. Acceptable Use
You may not:
- Use the Website unlawfully;
- Submit fraudulent 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 operations; or
- Violate another person’s rights.
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:
- Websites;
- Privacy practices;
- Security;
- Content;
- Products;
- Services;
- Representations; or
- Conduct.
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:
- An offer;
- Fair-market-value pricing;
- A particular purchase price;
- A 24-hour offer;
- A particular closing date;
- Successful assignment;
- Insurance recovery;
- Vacant possession;
- Resolution of code violations;
- Completion of repairs;
- Completion of a transaction; or
- A particular financial outcome.
88. Marketing Claims
Website statements describing our process or offers as:
- Fair;
- Competitive;
- Immediate;
- Fast;
- Transparent;
- Stress-free;
- Fee-free;
- No-pressure;
- “True value”; or
- Similar language
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:
- The same offer;
- The same timeline;
- The same terms; or
- The same result.
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:
- Purchase agreements;
- Assignment agreements;
- Brokerage agreements;
- Seller disclosures;
- Foreclosure-consultant agreements;
- Foreclosure-reconveyance agreements;
- Insurance agreements;
- Contractor agreements; or
- Other transaction-specific documents
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:
- Representations;
- Pricing;
- Contracts;
- Professional advice;
- Performance;
- Privacy practices; or
- Conduct.
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:
- Unlawful Website use;
- Material breach of these Terms;
- Fraudulent information knowingly submitted;
- Information knowingly submitted without authority; or
- Violation of another person’s rights.
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:
- Indiana Residential Real Estate Sales Disclosure law;
- Indiana Real Estate Brokers and Salespersons law;
- Indiana unlicensed real estate solicitation law;
- Indiana Consumer Data Protection Act;
- Indiana Deceptive Consumer Sales Act;
- Indiana Mortgage Rescue Protection Fraud Act;
- Indiana Credit Services Organizations law;
- Indiana security-breach law;
- Indiana communications law;
- Indianapolis-Marion County building, unsafe-building, zoning, or permit requirements;
- Federal mortgage-assistance rules;
- Federal lead-disclosure law; or
- Other applicable law.
97. Transaction Agreements Control
These Website Terms do not replace:
- Purchase agreements;
- Assignment agreements;
- Brokerage agreements;
- Seller’s Residential Real Estate Sales Disclosure forms;
- Solicitation disclosures;
- Foreclosure-consultant agreements;
- Foreclosure-reconveyance agreements;
- Cancellation notices;
- Title documents;
- Closing documents;
- Insurance agreements;
- Contractor agreements; or
- Other transaction-specific documents.
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:
- The agreement itself;
- Indiana contract law;
- Indiana real estate licensing law;
- Indiana solicitation law;
- Mortgage-rescue protections; and
- Other applicable requirements.
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