Remediation for unpermitted work means tearing upon the unpermitted work to allow inspectors to see that the work has been done to code.
What Is Considered Unpermitted Work?
As the name implies, unpermitted work is any work that is done without a permit, when a permit is required. Unpermitted work can be performed by a homeowner, contractor, or handyman. Sometimes, unpermitted work can be done without the knowledge of the homeowner, other times, it is performed intentionally. Permits are often ignored when contractors want to keep their bid competitive or when homeowners are looking to save a bit of dough. Each can be costly in the grand scheme of things, especially when it comes to your homeowners insurance policy.
Does Homeowners Insurance Cover Unpermitted Work?
Let’s pretend that you had an addition put onto your home by a local contractor. Later on, you find out that the contractor was not working with a permit. Faulty wiring, in addition, causes a hypothetical fire. Are you covered by homeowners insurance? Generally speaking, unpermitted work is not covered by your homeowners insurance. In fact, unpermitted work can interfere with your homeowners insurance as a whole.
If you file a claim with your homeowners and they find out that you’re having unpermitted work performed on your property, they do have the right to drop your coverage due to risk. What can be done if you’ve had unpermitted work done in the past and it is interfering with insurance? You’ll need to remediate. Homeowners can avoid problems with insurance will need to remediate to ensure that the home is fully protected. Keep in mind, you can choose to remediate at any time.
Not sure what remediation entails? Let’s investigate.
What Is Remediation For Unpermitted Work?
Remediation for unpermitted work means tearing upon the unpermitted work to allow inspectors to see that the work has been done to code. In a home with a new addition, inspectors will need to investigate and ensure that wiring has been done properly and that everything is up to standard. If aspects of the job have not been done properly, it will need to be repaired before the local inspector can approve the work. The process itself can be quite expensive and lengthy. Permits must be purchased and any work previously performed in the home will need to be deconstructed. Unfortunately, if your homeowners coverage is in jeopardy or you need to sell your home, remediation is your only option.