Construction Deal Update

So, you want to remodel your house? Add an addition? Or maybe even just add a backyard patio or deck. And you're wondering if you can save a little money (and red tape) by skipping the permit process?

It varies by state and by region, but most place require a building permit if you do any home renovation, repairs, electrical or plumbing changes, new home construction, or even demolition. It's basically a safety issue, to make sure the work is performed to code. The permit and inspection process can be a pain but it's a necessary regulation designed to protect you.

Can you have work done -- without a permit -- and get away with it? Sure. Most government agencies believe up to half of the remodeling and addition jobs in their cities are done without permits.

Could it cause some real headaches down the road? Oh, yeah. First, there's the distinct possibility that your city could find out about the work that was done and you could be forced to pay fines and penalties. Sometimes three to ten times the amount of the original permit costs. Second, if you sell your house, you'll need to disclose all the renovations and repairs done to the home to the potential buyer. And if the work was done without a permit, they could demand that all the work be inspected and that permits be issued.

This could mean a completely finished project may need to be torn apart to reveal the structural work beneath for the inspection. It could mean having to pay to have almost all the work done twice! And when the inspector realizes that the work is not recent -- that person could be a harsh judge.

So, for your safety and the health of your bank account, make sure all the proper permits are in place and all the inspections are scheduled. It's your responsibility.

If you're not sure - check with a local city office for requirements. Each state is different and each project may be different.

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Labels: Building Tips, Construction Tips