Getting permits and calling for inspections ensures work is done properly. Our Examiners can determine if something does not meet Code prior to construction, and it is much easier to correct a problem on paper than it is after it is constructed. Our Field Inspectors often find problems that, if left uncorrected, can cost hundreds or even thousands of dollars in the future. An example of this might be additions (including sun rooms & garages) that are not on proper foundations. These may settle, tearing away from the home, causing damage to the siding and creating leaks.
If a problem should arise, such as an accident due to improper wiring, gas-fitting or structural integrity, and the proper permits were not in place, the insurance company may not cover the accident. Even if you have someone else do the work, as the homeowner, it is ultimately your responsibility to ensure that the proper permits are in place.
Permits and inspections are a preventative measure now, at a small cost, to avoid major problems in the future. Purchasing permits and inspections is a small price to pay for peace of mind.