Solar,
Has nothing to do with your work, or if it was the cause of any loss. I has to do with you following the law and getting permits for your work.
The loss may have been from oil rags in the garage, and nothing to do with your work.
The problem is, the underwriting company may refuse to pay, on grounds that their contract with the insured states all permits must obtained from local or state agencies when requried.
That little clause lets them off the hook for payment, they usually offer to give back the payments made, and in some states they have to offer a fixed sum like $10,000 on a $300,000 home, And you don't want to be the one, that din't get the permit when required.
Permits do not make money for the city, they usually cost the city money to provide the service, without inspections in force in your town your insurace rating would be much higher, inspections, and fire protection help keep the rates down.
Every city throught the country is rated, these ratings are used to determine insurance rates charged for your area, so good inspections and good fire protection produce good rates for all.
