Dang Ian, if you really are only 14 hats off to you. You know more than just about any 14 year old that I have ever met. I am glad that you want to do this right the first time. I rewired my house a year ago this May, and my insurance company said the same thing that you ran across. after fighting with many people, and finally getting the appropriate permits, I actually did get to re-wire my house. I know that you probably don't want to hear this, but, be patient and try to see your parents point of view. There must be some reason why they don't want you to get the permit, and, I bet that if you figure it out and talk it over with them they might be cool with the idea. Stick with it and keep a cool head and you will most likely get accomplished what you want.
