" Many people started doing work on their house with out permits at all."

Now, there's something that pisses me off. Not the content of the statement, but the attitude behind it. Yes, Massa, we's but gentle serf-folk out here!

I've dealt with floods, and any delay is harmful. Very harmful. It takes a few hours for the water to 'wick' to cause maximum damage. It takes but 36 hours - a single day - for mold to bloom and everything to stink - maybe forever.

So, if I have a flood, I'm getting the water out NOW. I'm removing the carpet, baseboard, and lowest drywall NOW. I'm not about to wait for City Hall to open next Monday to wait in line pull a permit.