Risks of Remodeling Without a Permit

Most cities require that homeowners obtain a building permit before making improvements to their residence. Which improvements require a permit vary by city. Also, some cities are more observant than others in enforcing permit laws.

In order for the homeowner to receive a permit, the homeowner or someone representing the homeowner are required to file plans and pay fees to the city. In addition, the improvements are given a value. If they increase the value of the property, this may result in an increase in property taxes. Inspections are often required, and this means having to schedule and then wait for the inspectors to approve the work to be done. This process can be inconvenient and very time consuming in the short run. It is for this reason that some homeowners skip the permit process.

If a permit is required and you do not get one, the city may discover this at some time in the future and getting a permit retroactively may be significantly more expensive and cause more problems than having obtained the permit before beginning prior to beginning your project. If work is not done according to city procedures or if the inspector is unable to determine if the work has been done properly, the homeowner could be required to open walls, tear up floors, so that a proper inspection can take place. Also, by law, work not permitted where a permit was required must be disclosed to any prospective buyer. This may cause the owner to discount their sale price or perform costly or timely repairs before title can be transferred.

For prospective buyers of a property, save yourself the possible hassle and the loss of money by researching whether all work on the premises has been done according to code and with the proper permits. You may acquire these permits by going directly to the Building & Safety in the city in which the property is located or by hiring a ‘permit puller’ who will research the permits for you.