Residential Improvement Reminder from City of Denver
When work is done without permits, it comes to light at the time a property is sold, refinanced or when a contractor or neighbor notices a problem and reports it to the City. This applies to many of the metro area suburbs too! FHA appraisers may look at this when it comes to appraising your home. If you do not have a permit for the work in a finished basement, those bedrooms, baths etc. may not count into your appraisal.
Be sure and check with your local permitting office to see what you need. Each county and city may vary and the laws also change from time to time. Before you start to work on your home, check out the building and permitting office just to make sure you are in compliance. Below are some good tips to follow.
Protect Yourself with Building Permits
· Permits protect your safety.
· Permits protect the resale of your home and are required by lending institutions.
· Unpermitted work can void insurance coverage and violate local Zoning and Building Codes.
· Permits add value to your project and require that inspections be performed to verify that work was done correctly.
· Have your contractor pull a permit because the permit holder is responsible for compliance with the Building Code.
Common Projects That Do Not Require a Permit
Replacing an electrical fixture with a like fixture
Replacing a plumbing fixture with a like fixture
Projects That Require a Permit
· Most decks
· Bay windows
· Patio Covers
· Car Ports
· Basement Remodels
· Seek at least three bids.
· Verify that your contractor is licensed.
· Check web sites like the National Association of Home Builders for helpful tips.
· Have a written contract detailing that the contractor will pull a permit and outlining the work to be performed, cost associated with each task and time frame with estimated start and finish dates.
· Always get a receipt for payments made to contractors.
· Make payments beyond a deposit to your contractor only when you get something in return, such as materials delivered to your address.
· For large projects, before each payment, ask for a walk through with the contractor explaining the work done so far and what will happen next.
· Never pay in full until the job is complete, has been inspected and the building permit has been closed.
Learn more at www.DenverGov.Org