Quote:
Originally Posted by MRM
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With a permit goes some oversight to make sure the work is done to code and with a licensed contractor or tradesman. It also ensures your neighbors (and when they do their house, it ensures you) that there won't be some broken down eyesore devaluing their property. It's a pain in the rear, it's an impingement on your individual rights and liberties, and it's a good thing in the long run for everyone.
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Permits are not the 'good thing' --quality work is the good thing. Permits are just a layer of bureaucracy. ...a layer of review by some bureaucracy with ZERO liability of the outcome. If you design something beyond a cookie-cutter solution you must pay extra to educate that bureaucracy to understand. (if you choose the permit route)
Some areas require a permit to paint the trim. --where does this scam stop?
As to insurance, a permit is just one indicator (to the insurer) that work was done to an acceptable /minmal level. The insurer may have stipulated a higher level of construction. (that is, if they are going to dick you on permits, they would likely find other "reason") YMMV