ECN Forum Forums General Topics of the Trade General Discussion Area To permit or not to permit

I think some are missing the reason for inspections.
In areas where there is code inforcement, there is a better underwriter rating, then in areas not inforced, without inspections we would be paying much higher rates for insurance coverage.
If you are in an area that requires a permit for work, this means that the goverment in that city has agreed to inforce the code by law, and the insurance underwriters look at this city as a better risk for insuring property there.
Now, if you fail to obtain a permit, for work done on one of these risk rated properties, then if anything happens to that property, and it does not have to be connected with the work you have done, you may end up assuming the liability of loss.
Not something i would want to do.