Effective Date: October 8, 2026
Last Updated: October 8, 2026
These Terms and Conditions (“Terms”) govern your access to and use of ibuyfiredamagedhomesauroracolorado.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Aurora Colorado (“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;
- Property requiring cleanup;
- Property requiring substantial reconstruction; 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 a potential cash offer;
- Conduct or arrange due diligence;
- Coordinate cleanup or restoration where agreed;
- Enter into a purchase agreement;
- Acquire contractual or equitable rights;
- Assign contractual rights where legally and contractually permitted;
- Work with licensed Colorado real estate professionals where legally required; or
- Decline the opportunity.
Nothing displayed on the Website constitutes a binding offer to purchase real estate.
2. Our Role
The Website presently markets our business principally as a direct purchaser of fire-damaged homes in Aurora, Colorado.
Depending on the transaction, we may act as:
- A prospective principal purchaser;
- A real estate investor;
- A property-acquisition business;
- A contract purchaser;
- A holder of contractual or equitable rights;
- An affiliate or co-investor with another purchaser; or
- Another lawful transaction participant.
Our actual role depends on the governing documents and actual conduct.
Unless separately and lawfully established, we do not act as your:
- Real estate broker;
- Seller’s agent;
- Attorney;
- Accountant;
- Tax adviser;
- Financial adviser;
- Insurance adviser;
- Public adjuster;
- Contractor;
- Engineer;
- Appraiser;
- Fiduciary;
- Housing counselor;
- Mortgage lender;
- Mortgage servicer;
- Mortgage broker;
- Loan-modification provider;
- Foreclosure consultant; or
- Other professional adviser.
3. Direct Purchase Model
Where we seek to purchase property for our own account:
- Our economic interests may differ from yours;
- We may seek a price that accounts for repair costs, reconstruction, cleanup, holding expenses, closing expenses, risk, and investment return;
- We negotiate for our own benefit unless another written relationship expressly provides otherwise; and
- We do not automatically owe the duties of a seller’s broker, attorney, fiduciary, appraiser, insurance adviser, 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 real estate purchase agreement.
You may reject a proposed offer unless and until you enter into a legally enforceable agreement, subject to applicable contractual and statutory rights.
5. No Obligation to Purchase
Submitting information does not require us to:
- Inspect the property;
- Make an offer;
- Maintain a previous offer;
- Continue negotiations;
- Purchase the property; or
- Complete a transaction.
6. Eligibility and Authority
By using the Website or submitting property information, you represent that:
- You are at least 18 years old;
- You possess legal capacity to contract;
- Information you provide is materially accurate to the best of your knowledge;
- You own the property or have lawful authority to communicate concerning it; and
- Your use complies with applicable law.
A submission from one co-owner does not necessarily authorize that person to bind every owner.
7. Agents, Wholesalers, Contract Holders, and Representatives
If a real estate agent, contract holder, wholesaler, attorney-in-fact, trustee, personal representative, heir, or other representative submits a property, that person is responsible for having lawful authority to do so.
Nothing on the Website authorizes:
- Unlicensed brokerage;
- Misrepresentation of ownership;
- Unauthorized marketing of another person’s property;
- Unauthorized disclosure of another person’s information;
- False claims concerning title; or
- Violation of an existing purchase agreement.
8. Property Research
We may research:
- Ownership;
- Recorded deeds;
- Mortgages and deeds of trust;
- Liens;
- Judgments;
- Property taxes;
- Foreclosure status;
- Property condition;
- Fire and smoke damage;
- Structural condition;
- Roof and foundation;
- Electrical and plumbing systems;
- Heating and cooling;
- Repairs;
- Building permits;
- Electrical permits;
- Fire-damage permits;
- Code-enforcement records;
- Insurance claims;
- Tenant status;
- Probate;
- Common-interest-community matters;
- Radon information;
- Comparable sales; and
- Other matters relevant to evaluating a potential acquisition.
9. Property Evaluation
The Website advertises free property evaluation and damage assessment.
An acquisition evaluation may include:
- Visual inspection;
- Virtual review;
- Photography;
- Contractor review;
- Structural review;
- Repair estimates;
- Environmental review;
- Permit research;
- Code-enforcement research;
- Title review;
- Insurance review; and
- Other due diligence.
An evaluation conducted for our acquisition purposes is not automatically:
- A professional inspection performed for you;
- An appraisal;
- Engineering advice;
- A warranty;
- A guarantee of safety; or
- A representation that all defects have been discovered.
10. Preliminary Offers
Any preliminary:
- Cash offer;
- Estimated offer;
- Valuation;
- Price range;
- Repair estimate; or
- Similar statement
is non-binding unless incorporated into an enforceable transaction agreement.
An offer may change following due diligence.
11. Offer Methodology
Potential offers may take into account:
- Current property condition;
- Fire and smoke damage;
- Firefighting-water damage;
- Structural damage;
- After-repair value;
- Comparable sales;
- Repair and reconstruction costs;
- Cleanup expenses;
- Permit expenses;
- Holding expenses;
- Taxes;
- Insurance;
- Closing costs;
- Market conditions;
- Risk; and
- Expected investment return.
No particular valuation, price, formula, or financial result is guaranteed.
12. Binding Transactions
A binding transaction arises only when the applicable parties execute legally enforceable transaction documents.
Closing may depend on:
- Ownership verification;
- Authority to sell;
- Title;
- Mortgages;
- Deeds of trust;
- Liens;
- Judgments;
- Taxes;
- Seller disclosures;
- Radon disclosures;
- Property access;
- Due diligence;
- Probate;
- Foreclosure status;
- Insurance;
- Tenant rights;
- Buyer funding;
- Aurora permits or orders;
- Closing requirements; and
- Other contractual or legal conditions.
13. Colorado Does Not Impose One Universal Seller Questionnaire on Every Private Sale
Colorado should not be described as imposing one universal statutory property-condition questionnaire on every private residential sale.
Instead, seller obligations may arise through:
- The purchase contract;
- Colorado Real Estate Commission forms;
- Duties concerning known adverse material facts;
- Fraud and misrepresentation law;
- Specific statutory disclosures;
- Duties of participating real estate brokers;
- Federal law; and
- Other transaction-specific requirements.
14. Colorado Real Estate Commission Seller’s Property Disclosure
The Colorado Real Estate Commission publishes a Seller’s Property Disclosure (Residential).
The current form adopted in 2025 has a mandatory-use date of January 1, 2026 for transactions in which Commission-approved forms are required to be used.
The form expressly states that if the purchase contract requires the seller to complete the disclosure, the seller must complete it according to the seller’s current actual knowledge as of the contractual Seller’s Property Disclosure Deadline.
15. Known Adverse Material Facts
The current Colorado Commission form instructs the seller that failure to disclose a known adverse material fact affecting the property or an occupant may result in legal liability.
It also instructs that a known adverse material fact should be disclosed even if the form does not contain a specific question for it.
A material fire-created condition should therefore not be concealed merely because it does not fit neatly within a particular checkbox.
16. Fire Damage Is Expressly Listed on the Current Colorado Form
The current Commission-approved residential Seller’s Property Disclosure expressly asks whether the seller knows of problems ever existing involving:
Damage due to hail, wind, fire, flood, or other casualty.
It also separately addresses matters involving:
- Structural problems;
- Added structural supports;
- Moisture or water;
- Foundations;
- Floors;
- Interior walls;
- Exterior walls;
- Roof damage;
- Electrical systems;
- Smoke/fire detectors;
- Heating systems;
- Fireplaces;
- Environmental conditions; and
- Numerous other property systems.
17. Changes After the Disclosure
The current Commission form states that changes to the seller’s disclosures must be disclosed promptly after discovery.
If the seller discovers a new adverse material fact after completing the disclosure, the seller should disclose the new adverse material fact in writing to the buyer.
A fire-damaged property can change materially before closing due to:
- Structural deterioration;
- Weather exposure;
- New water intrusion;
- Mold;
- Additional electrical failures;
- Newly discovered fire damage;
- Permit findings;
- Engineering findings; or
- Other events.
18. Seller’s Disclosure Is Not a Warranty
The Commission form expressly states that the Seller’s Property Disclosure is not a warranty or guarantee by the seller or broker.
It is not intended to replace the buyer’s professional inspections.
19. No Universal Fire-Document Package
Colorado does not impose one universal requirement that every fire-damaged seller automatically provide every:
- Fire-department report;
- Insurance claim file;
- Adjuster report;
- Contractor invoice;
- Photograph;
- Engineering report;
- Repair estimate;
- Permit;
- Remediation report; or
- Inspection report
to every buyer.
However, particular documents may be:
- Necessary to make another disclosure complete;
- Requested during buyer due diligence;
- Required by contract;
- Required by an insurer;
- Required by a lender;
- Required by Aurora;
- Required by a title or closing professional; or
- Required by another applicable law.
20. No Universal Professional Inspection Requirement Before Sale
Professional structural, electrical, environmental, and fire-damage evaluations may be advisable.
Colorado does not impose one universal rule requiring every seller of a fire-damaged home to commission every possible inspection before transferring the property.
Separate Aurora requirements, existing orders, permits, insurance obligations, and contract provisions may nevertheless require professional involvement.
21. Colorado Radon Disclosure
Colorado separately imposes mandatory residential radon disclosures.
A contract for sale of residential real property generally must contain the statutory radon warning.
The seller also must provide applicable information concerning known radon testing, results, concentrations, and mitigation or remediation.
The required Colorado Department of Public Health and Environment radon brochure also must be provided as required by law.
These requirements apply independently of whether the property is fire-damaged.
22. Other Specific Colorado Disclosures
Separate disclosure duties may apply depending on the property, including matters involving:
- Prior methamphetamine laboratory use;
- Metropolitan district information;
- Common-interest communities;
- Lead-based paint under federal law;
- Water or well issues;
- Special taxing districts; and
- Other transaction-specific matters.
These requirements should be reviewed independently of the fire-damage issue.
23. Licensed Broker Duties
A Colorado real estate broker representing a seller generally must disclose to prospective buyers adverse material facts actually known by the broker.
Those facts can include adverse material facts concerning:
- Title;
- Physical condition;
- Material defects; and
- Environmental hazards required by law to be disclosed.
A broker generally does not have an independent duty to inspect the property solely for the buyer or independently verify every seller statement.
24. As-Is Transactions
The Website markets properties as being purchased “as-is.”
“As-is” may mean that the purchaser is willing to acquire the property without requiring the seller to perform repairs.
It does not automatically eliminate:
- Known-adverse-material-fact duties;
- Contractual disclosures;
- Radon disclosures;
- Fraud or intentional misrepresentation liability;
- Federal disclosures;
- Foreclosure protections;
- Title requirements;
- Government orders;
- Tenant rights; or
- Other non-waivable legal duties.
25. No Universal Requirement to Repair Before Sale
Colorado does not impose one statewide rule requiring every fire-damaged residence to be completely restored before it can be sold.
A damaged property may potentially be transferred in its current condition.
Separate:
- Building codes;
- Unsafe-building requirements;
- Fire-department restrictions;
- Repair permits;
- Electrical requirements;
- Utility restrictions;
- Environmental requirements;
- Occupancy restrictions;
- Insurance obligations; and
- Contract terms
may nevertheless affect the property.
26. Aurora Fire Scene Access
Immediately after a fire, Aurora Fire Rescue may restrict access to the affected structure.
Property owners and other persons should not enter areas restricted by Aurora Fire Rescue until access is authorized.
An acquisition discussion or purchase agreement does not override a fire-department safety restriction.
27. Aurora Structural Fire Damage
Aurora advises that if a building is structurally damaged to the point of being uninhabitable, the homeowner should obtain guidance concerning safe reentry from an appropriate structural engineer or insurance adjuster.
Nothing on the Website should encourage a seller, purchaser, contractor, or employee to enter an unsafe fire-damaged structure contrary to emergency instructions.
28. Aurora Fire-Damage Repair Permit
Aurora expressly requires homeowners to obtain a building permit before beginning structural repairs for fire damage.
A property purchaser should therefore investigate:
- Existing permits;
- Fire-damage permits;
- Inspection requirements;
- Open permits;
- Unpermitted work;
- Failed inspections;
- Repair scope; and
- Completion status.
29. Aurora Electrical Code
Aurora transitioned to the 2026 National Electrical Code effective August 1, 2026.
New electrical permit applications are reviewed and inspected under the applicable current electrical requirements.
Because structure fires frequently affect:
- Service equipment;
- Panels;
- Conductors;
- Outlets;
- Fixtures;
- Smoke/fire alarms; and
- Other electrical systems,
current permitting requirements may materially affect repair costs and timing.
30. Sale Does Not Eliminate Government Requirements
Transferring the property does not automatically:
- Cancel an unsafe-building order;
- Close an open permit;
- Cure unpermitted work;
- Restore lawful occupancy;
- Satisfy an inspection;
- Restore utility service; or
- Eliminate another government requirement affecting the property.
Transaction documents should address known obligations where appropriate.
31. Cleanup and Restoration
The Website currently states that cleanup and restoration may be handled after closing.
Any:
- Debris removal;
- Demolition;
- Structural repair;
- Electrical work;
- Plumbing work;
- Asbestos work;
- Lead-related work;
- Hazardous-material handling;
- Environmental remediation; or
- Other regulated construction activity
must comply with applicable:
- Contractor licensing;
- Registration requirements;
- Environmental requirements;
- Worker-safety requirements;
- Disposal rules;
- Permit requirements; and
- Other law.
Nothing in these Terms represents that we personally perform regulated professional or contracting services unless appropriately authorized to do so.
32. Inspections and Due Diligence
The seller may not be required by us to repair or clean the property.
That does not mean the purchaser waives all acquisition due diligence.
Due diligence may include:
- Visual inspection;
- Structural evaluation;
- Contractor estimates;
- Fire-damage assessment;
- Electrical review;
- Environmental review;
- Mold review;
- Permit research;
- Code-enforcement research;
- Title review;
- Insurance review; and
- Other investigation.
33. Offer Within 24 Hours
The Website advertises a no-pressure cash offer within approximately 24 hours.
That statement describes intended or potential service timing and is not a contractual guarantee.
Property complexity, access, incomplete information, title concerns, insurance issues, or other conditions may require additional time.
34. Seven- to Fourteen-Day Closing Claims
The Website states that closings typically take approximately 7–14 days and in some cases may occur in as little as seven days.
It also contains marketing language stating that the company can close in approximately 10 days.
These are potential transaction timelines, not guarantees.
Actual timing may depend on:
- Ownership;
- Title;
- Mortgages;
- Liens;
- Judgments;
- Seller disclosures;
- Radon disclosures;
- Foreclosure;
- Probate;
- Insurance;
- Property access;
- Aurora permits or orders;
- Buyer funding;
- Closing-company requirements; and
- Other circumstances.
35. Cash Payment Statements
Website references to receiving “cash” generally describe a transaction that is not dependent on ordinary retail mortgage financing.
They do not necessarily mean that a seller will receive physical currency.
Funds ordinarily are transferred through legally appropriate closing or settlement procedures.
36. No Commission or Hidden Fee Claims
The Website advertises no commissions or hidden costs.
Where a seller completes a genuine direct purchase without hiring a listing broker, a traditional listing commission may not apply.
However:
- Contractual costs;
- Taxes;
- liens;
- prorations;
- title issues;
- governmental charges;
- seller obligations; and
- agreed transaction expenses
may still affect net proceeds.
The executed purchase agreement and settlement statement control.
37. “Fair,” “Competitive,” and “Market Value” Claims
Website descriptions of offers as:
- Fair;
- Competitive;
- Transparent;
- Accurate; or
- Based on market value
should not be interpreted as a guarantee that:
- The offer equals appraised fair market value;
- The offer equals repaired retail value;
- No other purchaser would pay more;
- The seller could not obtain a higher net result through another sales method; or
- Any particular appraisal methodology will be used.
A real estate investor may seek a price below future repaired market value to account for repair costs, risk, expenses, and expected return.
38. Colorado Real Estate Licensing
Colorado’s broker definition is broad.
Subject to statutory exemptions, a person can act as a broker when, for compensation or with the intention of receiving compensation, the person performs activities involving:
- Selling real estate or an interest in real estate;
- Buying real estate for another;
- Offering to buy or sell;
- Negotiating a purchase or sale;
- Listing real estate;
- Auctioning real estate;
- Dealing in options; or
- Performing other statutorily regulated activity.
39. Principal Purchaser Exemption
Colorado’s Real Estate Practice Act contains an exemption for a person or entity acting on its own behalf as principal in acquiring or negotiating to acquire an interest in real estate.
A genuine direct purchaser acquiring property for its own account is therefore situated differently from someone acting for another owner or investor for compensation.
40. Principal Status Is Based on Conduct
Calling a person:
- Investor;
- Cash buyer;
- Wholesaler;
- Acquisition specialist;
- Consultant; or
- Contract buyer
does not determine whether real estate licensing applies.
The actual relationship, activity, ownership or contractual interest, and compensation control.
41. Options Are Specifically Addressed by Colorado Licensing Law
Colorado expressly defines an option dealer and includes dealing in options on real estate or interests in real estate within regulated brokerage activity, subject to statutory exemptions.
An option-based acquisition model should therefore not be assumed to be unregulated merely because title has not yet transferred.
42. Wholesaling and Contract Assignment
As of October 8, 2026, I did not identify a separate comprehensive Colorado residential-wholesaler registration and seller-cancellation statute comparable to specialized wholesaling statutes enacted in several other states.
Colorado’s ordinary:
- Real estate licensing law;
- Principal exemption;
- Contract law;
- Consumer-protection law;
- Foreclosure law; and
- Fraud and misrepresentation rules
remain important to assignment and wholesaling structures.
43. Contract Holder Versus Broker
A contract holder should consider factors such as:
- Whether it genuinely entered the purchase agreement as principal;
- Whether an enforceable contractual interest exists;
- Whether the agreement permits assignment;
- Whether it is marketing its contract rights or marketing another person’s property;
- Whether it represents itself as the owner;
- Whether it negotiates on behalf of another;
- Whether it solicits parties for another; and
- Whether compensation is received for brokerage-type services.
44. Contractual or Equitable 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;
- It already holds legal title;
- It is selling legal title when it is only transferring contractual rights; or
- It possesses rights beyond those granted by its agreement.
45. Assignment Depends on Contract and Law
Whether a Colorado purchase agreement may be assigned depends on:
- Contract language;
- Anti-assignment provisions;
- Required consent;
- Colorado contract law;
- Real estate licensing requirements;
- Foreclosure protections; and
- Other applicable requirements.
Nothing on the Website guarantees that a particular purchase agreement is assignable.
46. Foreclosure and Financial Distress
The Website may attract homeowners who are:
- Behind on mortgage payments;
- In loan default;
- Facing foreclosure;
- Experiencing financial hardship; or
- Seeking a rapid sale.
We are not your:
- Mortgage lender;
- Mortgage servicer;
- Attorney;
- Financial adviser;
- Housing counselor;
- Mortgage broker;
- Loan-modification provider;
- Foreclosure consultant; or
- Fiduciary
unless a separate legally compliant relationship expressly establishes otherwise.
47. Colorado Foreclosure Protection Act
Colorado maintains a detailed Colorado Foreclosure Protection Act regulating specified foreclosure consultants and equity purchasers.
The Act contains strong protections for homeowners whose principal residences are in qualifying mortgage default or foreclosure circumstances.
These protections are separate from ordinary real estate disclosure rules.
48. Residence in Foreclosure
For purposes of significant portions of the Act, a qualifying “residence in foreclosure” generally involves an owner-occupied principal residence encumbered by a residential mortgage loan that is delinquent or in default as defined by statute.
Different provisions use detailed definitions and should be applied to the specific transaction.
49. Foreclosure Consultants
A person can become a covered foreclosure consultant when, for compensation, the person represents that services will help a homeowner obtain specified foreclosure-related results.
Those services can include assistance represented as helping:
- Stop or postpone foreclosure;
- Obtain forbearance;
- Obtain reinstatement;
- Obtain waiver of acceleration;
- Save the residence;
- Reduce foreclosure-related damage; or
- Obtain other covered relief.
A principal cash purchaser should not simultaneously portray itself as the homeowner’s paid foreclosure consultant unless the separate consulting arrangement complies fully with Colorado law.
50. Foreclosure Consulting Contract
Covered foreclosure-consulting services generally require a written contract containing prescribed information and notices.
The homeowner must receive a signed and dated copy along with applicable cancellation documentation.
51. Foreclosure Consultant Cancellation Right
Colorado provides a particularly strong cancellation right for covered foreclosure-consulting agreements.
A homeowner generally has the statutory right to cancel a foreclosure consulting contract at any time, subject to the detailed provisions governing repayment of qualifying funds advanced in good faith.
That right cannot be improperly conditioned or waived.
52. No Advance Compensation for Covered Foreclosure Consultants
A covered Colorado foreclosure consultant generally may not claim, demand, charge, collect, or receive compensation until the consultant has fully performed all services the consultant contracted or represented that it would perform.
53. Foreclosure Consultant Cannot Acquire the Client’s Home
A covered foreclosure consultant generally may not directly or indirectly acquire an interest in real or personal property belonging to the homeowner with whom the consultant contracted.
Accordingly, a business seeking to purchase the residence for investment should maintain a clear distinction between:
- Acting as a principal purchaser; and
- Providing paid foreclosure-consulting services.
54. Equity Purchasers
Colorado separately regulates an equity purchaser acquiring title to a qualifying residence in foreclosure for purposes other than using the property as the purchaser’s own personal residence, subject to statutory exclusions.
Covered transactions require special contracts, notices, and procedures.
55. Written Equity-Purchase Contract
A covered equity-purchase transaction generally requires a written, fully completed, signed, and dated agreement containing the statutory information.
The contract must be provided before execution of an instrument conveying or encumbering the homeowner’s interest in the residence.
56. Three-Business-Day Equity-Purchase Cancellation Right
A covered homeowner generally has the right to cancel an equity-purchase contract until the earlier of:
- Midnight of the third business day following the day the homeowner signs a compliant contract; or
- 12:00 noon on the day before the foreclosure sale.
Nothing in these Website Terms limits that statutory right.
57. Cancellation Notice
A covered equity-purchase agreement must contain the required conspicuous cancellation notice and be accompanied by applicable cancellation forms.
Website Terms are not a substitute for those statutory transaction documents.
58. Restrictions During the Cancellation Period
Until the statutory cancellation period fully expires, a covered equity purchaser generally may not take specified prohibited actions, including prematurely:
- Accepting or inducing execution of a conveyance;
- Recording homeowner-signed documents;
- Transferring or encumbering the residence; or
- Paying consideration
in violation of the Colorado Foreclosure Protection Act.
59. Misleading Statements to Homeowners in Foreclosure
A covered equity purchaser may not make materially false or misleading statements concerning matters including:
- Property value;
- Proceeds the homeowner may receive;
- Contract terms;
- Homeowner rights;
- Legal obligations;
- Documents being signed; or
- Other aspects of the transaction.
60. Sale-Leaseback and Repurchase Arrangements
A transaction in which the homeowner conveys the residence in foreclosure and receives an option or contractual right to repurchase is subject to additional Colorado protections.
Among other requirements, a covered reconveyance arrangement generally must provide a nonwaivable 30-day right to cure defaults, exercisable on at least three occasions during the reconveyance contract.
61. Ability to Repurchase
In a covered foreclosure reconveyance, the equity purchaser generally must verify and be able to demonstrate that the homeowner has or will have a reasonable ability to make required lease payments and repurchase the residence.
The statute contains detailed affordability standards and presumptions.
62. Repurchase Price Restrictions
Colorado places additional unconscionability safeguards on the price required for the homeowner to repurchase a residence in foreclosure.
A repurchase price exceeding the statutory benchmark relative to the equity purchaser’s acquisition price can create a rebuttable presumption of unconscionability.
Sale-leaseback or “sell now, buy it back later” structures therefore require specialized legal review.
63. No Foreclosure-Rescue 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 Colorado or the federal government;
- We guarantee foreclosure will stop;
- We guarantee a loan modification;
- We guarantee forbearance;
- We will negotiate your mortgage as your adviser;
- You should stop communicating with your lender;
- You should stop making legally required payments; or
- Selling to us is your only available option.
64. Requesting an Offer Does Not Stop Foreclosure
Submitting a Website inquiry, receiving an offer, or negotiating a transaction does not automatically:
- Stop a foreclosure sale;
- Extend a foreclosure deadline;
- Cure default;
- Reinstate a loan;
- Modify a mortgage;
- Create forbearance; or
- Require a lender or servicer to delay enforcement.
A homeowner facing foreclosure should independently determine all relevant deadlines.
65. Federal Mortgage-Assistance Rules
If separate conduct constitutes mortgage-assistance-relief services under federal law, additional requirements may regulate:
- Advance fees;
- Advertising;
- Consumer notices;
- Communications with mortgage lenders or servicers; and
- Consumer acceptance.
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 by 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:
- Coverage;
- Proof-of-loss requirements;
- Claim deadlines;
- Insurance proceeds;
- Repair obligations;
- Mortgage-holder rights;
- Recoverable depreciation;
- Additional living expenses;
- Assignment restrictions;
- Salvage rights; and
- Policy conditions.
68. Pending Insurance Claims
If property is sold while an insurance claim remains pending, transaction documents should address the parties’ rights concerning:
- Existing proceeds;
- Supplemental proceeds;
- Recoverable depreciation;
- Future payments;
- Additional claims;
- Repairs;
- Salvage; and
- Related benefits.
69. Insurance Rights Do Not Automatically Transfer
Sale of the property does not automatically transfer:
- The seller’s insurance policy;
- A pending insurance claim;
- Insurance proceeds;
- Recoverable depreciation; or
- Other contractual insurance rights.
Those matters depend on:
- Policy language;
- Applicable insurance law;
- Timing of the loss;
- Mortgagee rights;
- Insurer requirements; and
- Transaction documents.
70. Public Adjusting
Nothing on the Website constitutes public-adjusting services.
A homeowner who seeks assistance negotiating an insurance claim should use an appropriately licensed insurance professional or attorney where required.
71. Tenant-Occupied Property
Sale of a tenant-occupied Colorado property does not by itself automatically terminate every lawful tenancy.
A purchaser should review:
- Existing leases;
- Month-to-month tenancies;
- Security deposits;
- Fire displacement;
- Habitability conditions;
- Required notices;
- Possession rights; and
- Applicable Colorado and local landlord-tenant law.
The fact that occupants temporarily left after a fire should not automatically be treated as proof that all tenancy rights ended.
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 those federal requirements.
73. Common Interest Communities
If property is part of a condominium, homeowners association, or other common-interest community, separate Colorado disclosure and association-document requirements may apply.
Relevant matters can include:
- Governing documents;
- Assessments;
- Insurance;
- Reserves;
- Restrictions;
- Pending litigation;
- Special assessments; and
- Other community information.
74. Telephone Communications
By providing a telephone number and requesting an offer, you authorize reasonable responsive communications concerning:
- Your property;
- Property research;
- Scheduling;
- Evaluations;
- Inspections;
- Offers;
- Follow-up; and
- Potential transactions.
Additional consent will be obtained where legally required before regulated automated, prerecorded, artificial-voice, or marketing communications are made.
75. Colorado Recording Law
Colorado generally permits recording of a private conversation when the recorder is a participant or at least one principal party has consented, subject to applicable law.
Interstate communications can involve a stricter jurisdiction.
Where another applicable jurisdiction requires consent from all participants, the stricter requirement should be followed.
76. Text Messages
If you provide a mobile telephone number and applicable consent, we may communicate by text concerning:
- Your inquiry;
- Your property;
- Scheduling;
- Evaluations;
- Offers;
- Follow-up; and
- Potential transactions.
Where required, additional consent will be obtained before regulated automated or marketing messages are sent.
Consent to marketing is not a condition of receiving an offer or selling property where prohibited.
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;
- Inspections;
- Due diligence;
- Scheduling;
- Follow-up;
- Services; and
- Potential transactions.
Applicable promotional emails will include an unsubscribe mechanism.
78. Electronic Communications
Where permitted by law, you consent to receiving Website and transaction communications electronically.
This does not eliminate documents that applicable law requires to be delivered in a specified form.
79. Privacy
Our handling of personal information is described in our Privacy Policy.
80. Independent Decision-Making
Selling fire-damaged property can have substantial:
- Legal;
- Tax;
- Financial;
- Insurance;
- Construction;
- Environmental; and
- Personal consequences.
You may wish to consult:
- A Colorado attorney;
- A licensed Colorado real estate professional;
- A tax professional;
- An accountant;
- An insurance professional;
- A qualified contractor;
- A structural engineer;
- An environmental professional;
- An appraiser;
- A HUD-approved housing counselor; or
- Another qualified adviser.
81. No Professional Advice
Website content is general information and does not constitute individualized:
- Legal advice;
- Tax advice;
- Accounting advice;
- Financial advice;
- Insurance advice;
- Construction advice;
- Engineering advice;
- Environmental advice;
- Appraisal advice;
- Mortgage advice; or
- Foreclosure advice.
82. No Automatic Agency or Fiduciary Relationship
Use of the Website does not itself create:
- Seller agency;
- Buyer agency;
- A real estate brokerage relationship;
- A fiduciary relationship;
- Partnership;
- Joint venture; or
- Employment.
Where a Colorado licensed real estate professional participates, applicable brokerage and relationship disclosures control.
83. Acceptable Use
You may not:
- Use the Website unlawfully;
- Submit fraudulent property leads;
- Knowingly provide materially false information;
- Impersonate another person;
- Submit property information without authority;
- Attempt unauthorized system access;
- Introduce malicious code;
- Circumvent Website security;
- Abuse Website forms;
- Interfere with Website operation; 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 Aurora Colorado.
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:
- Websites;
- Privacy practices;
- Content;
- Security;
- Products;
- Services;
- Representations; or
- Conduct.
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:
- An offer;
- Appraised fair-market-value pricing;
- A particular purchase price;
- A particular closing date;
- Successful contract assignment;
- Insurance recovery;
- Vacant possession;
- Completion of repairs;
- Resolution of permit or code issues;
- Completion of a transaction; or
- A particular financial result.
88. Testimonials
Testimonials describe individual reported experiences.
They do not guarantee that another seller will receive:
- The same offer;
- The same closing speed;
- The same transaction structure;
- The same proceeds; or
- The same outcome.
89. 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.
90. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE AURORA COLORADO 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;
- Foreclosure consulting contracts;
- Equity-purchase contracts;
- Reconveyance agreements;
- Insurance-related agreements;
- Contractor agreements; or
- Other transaction-specific documents
unless those documents expressly provide otherwise and applicable law permits it.
91. Independent Third Parties
To the maximum extent permitted by law, we are not responsible for independent third-party:
- Representations;
- Pricing;
- Contracts;
- Professional services;
- Performance;
- Privacy practices; or
- Conduct.
Nothing in this provision eliminates liability that applicable law does not permit to be excluded.
92. Indemnification
To the extent permitted by law, you agree to indemnify I Buy Houses With Fire Damage Aurora Colorado 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.
93. Governing Law
These Terms are governed by the laws of the State of Colorado, except where another law must apply.
94. 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 Terms overrides Colorado Foreclosure Protection Act provisions restricting waiver, foreign choice of law, improper venue, or other non-waivable homeowner rights.
A separately executed transaction agreement may contain different enforceable dispute provisions.
95. Non-Waivable Colorado Rights
Nothing in these Terms waives rights that cannot legally be waived under applicable:
- Colorado real estate law;
- Colorado Real Estate Practice Act;
- Colorado Foreclosure Protection Act;
- Colorado Consumer Protection Act;
- Colorado Privacy Act;
- Colorado security-breach law;
- Colorado recording law;
- Colorado radon disclosure law;
- Aurora building or fire requirements;
- Federal mortgage-assistance rules;
- Federal lead-disclosure law; or
- Other applicable law.
96. Transaction Agreements Control
These Website Terms do not replace:
- Purchase agreements;
- Assignment agreements;
- Brokerage agreements;
- Seller’s Property Disclosures;
- Radon disclosures;
- Foreclosure consulting contracts;
- Equity-purchase contracts;
- Statutory cancellation notices;
- Reconveyance agreements;
- Title documents;
- Closing statements;
- Insurance-related agreements;
- Contractor agreements; or
- Other transaction-specific documents.
A separately executed transaction agreement governs that transaction to the extent enforceable.
97. 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.
98. Severability
If a provision is invalid or unenforceable, it will be enforced to the maximum lawful extent or severed, and the remaining provisions will continue in effect.
99. No Waiver
Failure to enforce a provision does not waive the right to enforce it later.
100. 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 real estate agreement is governed by:
- The agreement itself;
- Colorado contract law;
- Colorado real estate licensing law;
- Colorado foreclosure protections; and
- Other applicable requirements.
101. Entire Agreement Regarding Website Use
These Terms and the Privacy Policy govern Website use.
They do not supersede separately executed real estate transaction documents.
102. Contact Us
Questions concerning these Terms may be directed to:
I Buy Houses With Fire Damage Aurora Colorado
Aurora, Colorado
United States
Website: ibuyfiredamagedhomesauroracolorado.com