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Building PERMITS
When they ’ re needed , and why
By Melissa Erickson More Content Now
Before embarking on common remodeling projects , homeowners need to think about when a permit is required .
Because of cost or apprehension in dealing with the government , or even belief that a small project doesn ’ t need a permit , some homeowners forgo obtaining the proper permits before starting work . There can be repercussions , though : If caught , a project can be shut down , a fi ne can be levied , or problems can arise later when selling or refinancing .
“ There are two major reasons why a homeowner needs a permit on projects ,” said Michael Harris , president of BRY-JO Roofing & Remodeling in Richardson , Texas , whose company won three 2018 National Contractor of the Year Awards in residential kitchen , interior and bathroom categories . “ The fi rst is because when a permit is fi led , city officials will inspect the work completed at different stages to ensure the work complies with current safety and health building codes . The second , and most significant reason , is it protects the homeowner ’ s investment they are making to improve the property .”
When a permit is needed
A building permit legally sanctions construction or renovation . Although building codes vary by state , a permit is generally required for remodeling projects that involve changes to the building ’ s existing footprint , electrical system or plumbing . Adding new windows to existing walls usually requires a permit . You are likely to need a permit for any project that goes beyond a simple repair or aesthetic upgrade , including :
• Adding supporting walls or taking down load-bearing walls .
• Building an in-ground concrete pool or a porch or deck .
• Replacing the roof , backyard shed or concrete sidewalks , driveways and slabs .
Cosmetic changes like updating kitchen cabinets , fl ooring or ceiling coverings ; painting ; tiling or carpeting usually don ’ t require a permit , but it ’ s better to be safe than sorry . Even if a permit isn ’ t required , certain projects may require licensed professionals for structural , electrical and plumbing work . If unsure , homeowners can check with their city or county government office , Harris said .
Permits need to be obtained before the project gets underway . If city officials spot a project without proper permits , work could be stopped until they are obtained , leaving you without a functioning kitchen or bathroom for weeks and a hefty fine , Harris said .
Costs and pitfalls
The cost of a permit varies and is determined by the projected construction costs . The average cost of a building permit is $ 1,221 , with most homeowners spending between $ 441 and $ 2,001 , according to HomeAdvisor .
“ While it may be tempting to forgo the permit , a remodel or addition done without one can be a problem if the homeowner decides to sell or refinance ,” said attorney Patrick Noaker of Noaker Law Firm , Minneapolis , Minnesota .
If the appraiser ’ s total of the square footage of the home differs from county records , it triggers a search for a permit . If not found , the bank may decline to issue a loan on the home .
Illegal construction is a risk for the lender . A fi re insurance carrier , for example , may refuse to honor a claim .
“ If there is a wiring problem that causes the home to burn to the ground , the homeowner ’ s insurance company could refuse to cover the loss ,” Noaker said .
8 • Spring Vermont Home , Garden & Auto 2018