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Terms and Conditions

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

These Terms and Conditions (“Terms”) govern your access to and use of ibuyhouseswithfiredamagedenver.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Denver (“we,” “us,” or “our”).

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

1. Purpose of the Website

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

Depending on the property and transaction, we may:

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

2. Current Website Service Model

The current Website describes a direct cash-purchase process.

It advertises:

These descriptions concern possible transaction structures.

They are not guarantees.

3. Our Role

Depending on the transaction, we may act as:

Our actual role depends on the transaction documents and conduct.

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

4. Direct Purchase Model

Where we seek to purchase property for our own account:

5. No Obligation to Sell

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

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

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

6. No Obligation to Purchase

Submitting property information does not require us to:

7. Eligibility and Authority

By using the Website or submitting information, you represent that:

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

8. Agents, Wholesalers, and Representatives

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

Nothing on the Website authorizes:

9. Property Research

We may research:

10. Property Assessments

Our acquisition evaluation may include:

An evaluation conducted for our acquisition purposes is not automatically an inspection or professional report performed for the seller’s benefit.

It is not a warranty regarding property condition.

11. Preliminary Offers

Any preliminary:

is non-binding unless incorporated into an enforceable written transaction agreement.

A preliminary offer may change following due diligence.

12. Offer Methodology

Potential offers may consider:

No particular valuation formula, purchase price, or financial result is guaranteed.

13. “True Market Value,” Fair, and Competitive Offer Claims

The Website states that offers may reflect the “true market value” of a damaged property and describes offers as fair or competitive.

Those statements should not be interpreted as guarantees that:

The signed transaction agreement controls the actual price and terms.

14. Binding Transactions

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

Closing may depend on:

15. Colorado Does Not Use One Universal Statutory Seller Questionnaire for Every Private Sale

Colorado does not impose one single statutory Seller’s Property Disclosure questionnaire that every private owner must complete in every residential sale regardless of the governing contract.

Colorado nevertheless imposes important seller obligations through:

A seller should therefore not interpret the absence of one universal statutory questionnaire as permission to conceal known material defects.

16. Colorado Seller’s Property Disclosure Form

The Colorado Real Estate Commission publishes a Seller’s Property Disclosure (Residential) form.

Where the purchase contract requires the seller to complete that form, it should be completed based on the seller’s current actual knowledge.

The form expressly warns that failure to disclose a known adverse material fact affecting the property or occupants can result in legal liability.

17. Fire Damage Is Expressly Included in the Colorado Form

The Commission-approved residential Seller’s Property Disclosure specifically asks whether the seller knows of problems involving:

Damage due to hail, wind, fire, flood, or other casualty.

It also addresses conditions involving:

18. Current Actual Knowledge

The Commission-approved disclosure is based on the seller’s current actual knowledge.

It does not require the seller to guarantee unknown conditions.

However, a seller should not:

19. Independent Common-Law Duty to Disclose Known Latent Defects

Colorado courts recognize an independent duty of a residential home seller to disclose known material latent defects.

A latent defect generally is one that is hidden or not readily discoverable through reasonable inspection.

Known latent fire-related conditions may include, depending on the circumstances:

20. As-Is Language Does Not Protect Fraudulent Concealment

An as-is clause can allocate substantial risk concerning property condition.

However, Colorado law does not permit a seller with actual knowledge of a material latent defect simply to conceal the defect and rely on as-is language as protection.

“As-is” therefore should not be interpreted as authorization for fraud, concealment, or intentional misrepresentation.

21. Broker Disclosure of Adverse Material Facts

Colorado real estate brokers have independent duties to disclose known adverse material facts to the parties as required by applicable brokerage law.

Adverse material facts can include matters materially affecting:

A serious known fire-created defect can constitute an adverse material fact.

22. No Automatic Broker Inspection Duty

A Colorado broker’s disclosure duties are based on matters actually known to the broker.

The duty to disclose known adverse material facts does not mean a broker is automatically required to conduct an independent technical inspection of the property solely to discover unknown defects.

23. Later-Discovered Adverse Material Facts

Colorado’s Commission-approved contracts generally require a seller to timely disclose newly discovered adverse material facts during the transaction.

Where the applicable contract grants the buyer termination rights following a new disclosure, those contract rights control.

Fire-damaged property should therefore be monitored for material developments before closing.

24. No Universal Fire-Documentation Package

Colorado does not impose one universal rule requiring every fire-damaged residential seller automatically to provide every:

to every buyer.

Particular documents may nevertheless be:

25. Colorado Radon Disclosure

Colorado separately regulates radon disclosure in residential sales.

Each contract for sale of residential real property generally must contain the statutory radon warning.

The seller also must provide known information concerning the property’s radon concentrations and history, including applicable:

Applicable Colorado radon materials and the current transaction forms should be used.

26. Radon and Fire Damage Are Separate Issues

A property may simultaneously have:

A cash sale or fire-damage transaction does not eliminate Colorado’s separate radon requirements.

27. As-Is Transactions

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

“As-is” may mean that the purchaser does not require the seller to make repairs before closing.

It does not automatically eliminate:

28. No Universal Requirement to Repair Before Sale

Colorado does not impose one statewide rule requiring every fire-damaged residence to be completely repaired before it can be transferred.

A damaged property may potentially be sold in its present condition.

Separate:

may nevertheless affect the property.

29. Denver Building and Fire Codes

The City and County of Denver adopted its 2025 Denver Building and Fire Code, effective December 31, 2025.

Denver Community Planning and Development reviews, permits, and inspects building work to verify compliance with:

Most covered construction, alteration, and repair work on private property requires appropriate permitting.

30. Fire-Damage Repair Permits

Fire-damage restoration may require permits involving:

The exact permit depends on the property’s condition and the scope of work.

31. Denver Quick Permits

Denver provides quick permits for certain limited trade-specific work.

However, most projects cannot be completed solely through a quick permit, and structural work generally does not qualify as quick-permit work.

Substantial fire-damage reconstruction therefore may require formal plan review.

32. Unsafe Buildings and Government Orders

A fire-damaged property may be subject to:

A sale does not automatically cancel an order or legalize unpermitted work.

33. Cleanup and Debris Removal

The Website states that the business may coordinate or handle cleanup and final details.

Any:

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

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

34. Inspections and Due Diligence

The Website advertises a process that can avoid traditional inspection contingencies or seller-funded repairs.

That does not prevent us from conducting due diligence permitted by the transaction documents.

Due diligence may include:

35. 24-Hour Offer Marketing

The Website states that it may provide a no-pressure cash offer within approximately 24 hours.

That statement describes intended or possible service timing.

It is not a guarantee that:

36. 10-Day Closing Marketing

The Website states that it may close in approximately 10 days.

That is possible in some cash transactions but is not guaranteed.

Actual closing timing can depend on:

37. No Repairs or Inspection Requirements

The Website states that a seller may avoid repairs and traditional inspection requirements.

Those marketing statements concern the buyer’s intended acquisition structure.

They do not:

38. No Agent Fees and Seller Costs

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

Where we agree to pay particular closing costs or charge no seller fee, the signed purchase agreement and closing statement control.

If a licensed Colorado broker participates, compensation obligations will be governed by applicable:

39. Colorado Real Estate Licensing

Colorado generally requires a real estate broker license when a person performs covered brokerage activity for another.

Regulated activities can include specified conduct involving:

The actual conduct and relationship control.

40. Principal Purchaser Exclusion

Colorado’s current broker definition excludes qualifying persons or entities acting personally or on their own behalf as a principal in acquiring or negotiating to acquire an interest in real estate.

A genuine cash buyer purchasing property for its own account is therefore differently situated from a person representing someone else in a transaction.

41. Colorado Wholesaling

As of October 7, 2026, Colorado has not enacted a separate comprehensive residential real-estate wholesaler licensing, registration, mandatory wholesaler disclosure, or special wholesaler cancellation statute comparable to laws adopted in certain other states.

That does not mean every activity described as “wholesaling” is automatically lawful without a real estate license.

Existing brokerage, contract, advertising, fraud, consumer-protection, and foreclosure laws remain applicable.

42. Contract Holder Versus Broker

A contract purchaser acting for its own account can be situated differently from a person performing brokerage services for others.

Relevant considerations can include:

43. Colorado Division of Real Estate Wholesaling Advisory

Colorado’s Division of Real Estate has specifically warned consumers about wholesaling and assignment transactions in which investors fail to explain:

Transparency concerning the buyer’s actual role, contractual rights, and intended transaction structure is therefore important even though Colorado has no stand-alone wholesaler statute.

44. Contractual or Equitable Interest Is Not Legal Title

Holding a:

is different from holding record legal title.

A contract holder should not falsely state that:

45. Assignment Depends on the Contract

Whether a Colorado purchase agreement may be assigned depends on:

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

46. Licensed Brokers Acting on Their Own Account

Where a Colorado licensed broker purchases or sells real property on the broker’s own account, current Colorado Real Estate Commission rules require appropriate written disclosure of the broker’s licensed status.

Licensed personnel involved in acquisition activities should therefore follow applicable Commission requirements.

47. Foreclosure and Financial Distress

The Website may attract homeowners who are:

We are not your:

unless a separate legally compliant relationship expressly establishes otherwise.

48. Colorado Foreclosure Protection Act

Colorado maintains a detailed Colorado Foreclosure Protection Act governing specified transactions involving homeowners and residences in foreclosure.

The Act separately regulates:

A transaction involving a homeowner in foreclosure therefore should not be treated as an ordinary distressed-property purchase without first determining whether the statute applies.

49. Residence in Foreclosure

For purposes of the Colorado Foreclosure Protection Act, a covered residence generally includes a principal residence encumbered by a qualifying residential mortgage loan that is sufficiently delinquent or in default as provided by statute.

The actual statutory definitions and exclusions should be reviewed for the transaction.

50. Foreclosure Consultants

A foreclosure consultant can include a person who, for compensation, offers services represented as helping a homeowner obtain outcomes such as:

A direct purchaser should not market itself as the homeowner’s paid foreclosure consultant unless that separate relationship fully complies with Colorado law.

51. Foreclosure Consultant Contract

A covered foreclosure consulting contract is subject to detailed requirements concerning:

Website language does not replace those required documents.

52. Homeowner Can Cancel Foreclosure Consulting Contract at Any Time

Colorado provides unusually strong cancellation rights for covered foreclosure consulting.

A homeowner generally has the right to cancel a foreclosure consulting contract at any time.

The right cannot be improperly conditioned on repayment of amounts advanced.

53. No Advance Compensation for Covered Foreclosure Consulting

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

54. Foreclosure Consultant Cannot Acquire the Home

A covered foreclosure consultant generally may not directly, indirectly, or through an associate acquire an interest in the real or personal property of the homeowner with whom the consultant contracted.

A business attempting to purchase the residence should therefore keep the principal-purchaser role separate from compensated foreclosure consulting.

55. Colorado Equity Purchasers

A person who acquires title to a covered residence in foreclosure for investment or another non-personal-residence purpose may qualify as an equity purchaser under Colorado’s Foreclosure Protection Act.

Covered equity-purchase transactions have mandatory contract and cancellation requirements.

56. Written Equity-Purchase Contract

A covered equity-purchase contract generally must:

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

A covered homeowner generally has the right to cancel a contract with an equity purchaser until the earlier of:

Nothing in these Website Terms limits that statutory right.

58. No Deed or Payment During the Cancellation Period

Until the statutory equity-purchase cancellation period has fully expired, a covered equity purchaser generally may not:

in violation of Colorado law.

59. No Misleading Equity-Purchase Statements

A covered equity purchaser may not make untrue or misleading statements concerning matters including:

60. Sale-Leaseback and Repurchase Arrangements

Colorado imposes additional requirements when an equity purchaser acquires a residence in foreclosure and provides the homeowner with an option or right to repurchase.

Such reconveyance arrangements can require:

A simple permanent cash sale is different from a sale-leaseback or repurchase arrangement.

61. Non-English-Speaking Homeowners in Foreclosure

Colorado’s Foreclosure Protection Act contains special language requirements.

Where the equity purchaser knows or should know that the homeowner’s principal language is not English, statutory notice concerning the transaction and cancellation rights may need to be supplied in the homeowner’s principal language.

Covered foreclosure-consulting agreements also have translation requirements.

62. Foreclosure Rights Cannot Be Waived Through Website Terms

Colorado law invalidates specified waivers in covered foreclosure consulting and equity-purchase contracts, including certain attempts to waive:

These Website Terms do not override those protections.

63. Requesting an Offer Does Not Stop Foreclosure

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

Homeowners facing foreclosure should independently verify applicable deadlines.

64. No Foreclosure-Rescue Guarantees

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

65. Federal Mortgage-Assistance Rules

If separate conduct constitutes mortgage-assistance-relief services under federal law, federal rules can separately 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 an insurance claim remains pending, transaction documents should address the parties’ respective rights concerning:

69. Insurance Rights Do Not Automatically Transfer

A property sale does not automatically transfer:

Those matters depend on:

70. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

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

71. Tenant-Occupied Property

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

A purchaser should evaluate:

Vacancy following a fire should not automatically be treated as proof that every tenant right has ended.

72. Federal Lead-Based Paint Disclosure

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

Nothing on the Website replaces applicable federal disclosure obligations.

73. Common Interest Communities

Where property is located in a Colorado common-interest community, separate statutory and contractual requirements may apply concerning:

74. Telephone Communications

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

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

75. Colorado Recording Law

Colorado generally permits a participant in a telephone communication to record the call, or permits recording with the consent of at least one sender, receiver, or principal party, subject to applicable law.

Recording may not be used for an unlawful purpose.

Because interstate calls can involve states with stricter all-party-consent requirements, additional notice or consent may be required.

Where another applicable law imposes a stricter requirement, that stricter requirement controls.

76. Text Messages

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

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

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

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 provide an unsubscribe mechanism.

78. Electronic Communications

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

This consent does not eliminate any document that applicable law requires to be provided 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 substantial:

You may wish to consult:

81. No Professional Advice

Website content does not constitute individualized:

82. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

If a licensed Colorado broker participates, applicable written brokerage agreements and disclosures control.

83. Acceptable Use

You may not:

84. Intellectual Property

Unless otherwise stated, the Website and its original:

are owned by or licensed to I Buy Houses With Fire Damage Denver.

You may not commercially reproduce protected Website 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 features.

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 offers or services as:

describe intended or possible service characteristics.

They do not guarantee a particular economic result.

The signed 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:

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 DENVER AND ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, AND BUSINESS PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING SOLELY FROM WEBSITE USE.

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

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

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

92. Independent Third Parties

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

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

93. Indemnification

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

94. Governing Law

These Terms are governed by the laws of the State of Colorado, 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 Colorado.

These Website Terms do not impose mandatory arbitration.

Nothing in these Website Terms overrides Colorado Foreclosure Protection Act restrictions that prohibit certain contract provisions selecting another state’s law or an improper venue.

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

96. Non-Waivable Colorado 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 Denver
Denver, Colorado
United States

Website: ibuyhouseswithfiredamagedenver.com