Sarasota and Manatee counties are full of homes built many decades ago in beautiful locations. As new buyers purchase these homes and look to update them to today’s standards, renovations and remodeling home projects are inevitable. But renovations and building projects often require obtaining building permits to be performed legally. If you are looking to update your home and are wondering about the need for permits, here are the basics you need to know.
Local municipalities issue permits according to city regulations and ordinances. Since there are no mandatory federal or state standards, each city is responsible for drafting its own building codes. When you are seeking information about local building permits, you can search their website for more information. (Click to visit the Sarasota Building Permits or Manatee Building Permits website)
If a homeowner hires a licensed contractor to supervise the renovation, the professional will be able to advise whether that specific job requires a permit. However, it is important to note that if the homeowner is ever charged with a violation for unpermitted work, it is their responsibility – not the contractors. Never assume the permits were appropriate for the job – ask for clarification from the contractor.
Because permits cost money and can take up to six weeks to complete in their entirety, many homeowners choose to forgo them and hope for the best – but this is a risk not worth taking. Failure to obtain the proper permits for your project could stall or cancel the planned renovations or negate the legal sale of the home. During a home inspection or appraisal, homeowners are required to prove that proper permits were pulled. If permits cannot be submitted, there’s an excellent chance that the lender won’t approve the buyer’s loan.
Additionally, if the town learns of unpermitted work, they can both fine the homeowner and even compel them to tear down the illegal renovations.
Renovations That Typically Require a Permit
Building permits are generally required if plans include significant changes to the home’s footprint. This includes projects such as a room or home addition and most decks and garages. Any project that alters the existing support system of your home – such as changes to load-bearing walls, decks, and porches— also requires a permit. Here are some additional permit-worthy projects:
- Fences: While not every fence requires a permit, the material, height, and function of the fence may determine its necessity.
- New windows: Check with your town whether replacing an existing window requires a permit (some don’t) – but be aware that cutting an opening for a new window, skylight or door usually does.
- Plumbing and electrical: A permit is generally required if installing or removing plumbing. Any project that involves installing new electrical services – even a new outlet – also requires a building permit. Even something as simple as moving an outlet requires a permit.
- Water heater: You cannot replace your water heater or change your ventilation system without a permit.
Projects and Renovations That Do Not Require a Permit
Here are some examples of home renovation projects that may not require a permit:
- Painting or wallpapering
- Installing carpeting or wood floors
- Minor electrical repairs that don’t include adding new or moving existing service
- Installing new bathroom or kitchen countertops
- Replacing a faucet
In summary, if you have a large project that involves significant changes to the structure of your home, a permit should be pulled. Because each municipality has different laws and regulations, it’s necessary to check your city’s website or call for clarification. Remember, no matter who performs the work, the homeowner is responsible for applying for the proper permits.
Having unpermitted work at your home may cause issues with home insurance coverage and policy payouts. If you have questions about your coverage and if any work affects it, call the experts at Anderson and Associates Insurance Group. We are your local Manatee County insurance professionals.
