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Risks of Remodeling Without a Permit |
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Most cities require homeowners to obtain a building permit before making modifications to their residence. Precisiely which modifications require a permit may vary by city. Some cities are more rigorous than others in enforcing permitting laws. In order for a homeowner to receive a permit, the homeowner or his/her designee such as a licensed contractor must file an application with the appropriate City or County and pay the necessary fees. Inspections are often required. Once completed, it may be determined by this authority that the improvements increase the value of the property which may result in an increase in property taxes. If a permit is required and a homeowner fails to obtain one prior to making any improvements to the property, receiving a permit retroactively can be significantly more expensive and much more problematic than had the homeowner obtained the required permit prior to the work commencing. Furthermore, if the improvements are not done in accordance with local code and zoning ordinances or if it cannot be determined that the work was completed in the appropriate legal standards, the homeowner may be required to open walls, tear up floors, etc so that the necessary inspections may take place. In addition, any improvements to a property which have not been permitted although legally required must be disclosed to any prospective purchaser. This may result in a seller having to discount the sale price or perform costly or time-consuming repairs before title can be transferred. For prospective buyers of a property, save yourself the future hassle and loss of money by researching whether all work on the property has been done according to code and with the proper permits. You may review this information by going directly to to the municipality in which the property is located.
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