Do I really need a Building Permit? This is a question many people may ask themselves when planning alterations to their home. A decision not to get a permit could be very costly. Some homeowners are finding when they try to sell or refinance their home, prospective buyers or lending institutions want proof that alterations are in compliance with local codes. Without a permit and inspection on record, there is no proof. The homeowner must then apply for a permit with no guarantee that the remodel will meet the codes, and they face the possibility that the remodel must be redone or removed. This is costly and frustrating and could cause delays in refinancing or a lost sale of their home.
In addition, if a fire or other calamity occurred as a result of faulty construction or wiring, the new owner’s home insurance company, most likely, would not cover the damage when they learned that no permits were pulled for the construction. The new homeowners would turn to you to pay for the damage.
Getting caught without a permit can result in much higher costs and substantial delays for any home improvement project. It can carry fines and cause delays much longer than allocating a few days for on-site inspections. The fees and time required to secure a permit is just a small price to pay compared to the consequences of not getting it.
The building permit process is not meant to give you a headache for being a property owner. Building permits are a way for local governments to enforce their building codes, ensuring all buildings meet minimum safety and structural standards—all of which will help you, the homeowner, preserve the value of your home. These codes are being updated every few years, as new building methods and materials are introduced and applied. Municipalities invest a lot of money and time in continuing education for their inspectors. This is a service you should be taking advantage of as a homeowner as it’s in place to protect, not harm homeowners.
As a homeowner today, you may feel that you should be allowed to do whatever project you want to on your property, no permits needed, but what happens when it’s time to sell your house? The next person should have some peace of mind that the work completed was done according to local building codes. And what about the bank or the mortgage provider that owns the house? If you have a mortgage, you most likely already signed somewhere in your mortgage documents that you are to obtain building permits for any work that requires them. Acquiring building permits is more than just your responsibility as a homeowner, but also your responsibility as a law-abiding citizen.
In summary, building permits are mainly about safety. By enforcing construction standards, they give you and the other occupants of the building the best chance to avoid fire, structural failure or something as simple as a child getting his head caught between stair posts. If you decide to move, the permit process also protects future owners.
As investors, we are in business to make a modest profit on any deal. However, we can help homeowners out of just about any situation, no matter what! There are no fees, upfront costs, commissions, or anything else. We offer the simple truth about your home and how we can help you sell it fast.
Give us a ring. We would love to help you understand the process and to answer all of your questions. You can reach us at 402 999.0577.