At one point in time, I worked in construction. The crew I was on did home renovations or new home work. What I learned during that time is that a lot of people perform common home repairs without a permit (even if it’s necessary). Doing this could cause you to face fines, delays during the resale of your home, or even a denial for home insurance. Here are six repairs that often require a permit. Even if they are easy fixes, it’s best to follow the rules.
1. Replacing or Moving Electrical Wiring
Tackling electrical upgrades without a permit is one of the most common DIY missteps. Whether you’re swapping outlets, installing new fixtures, or adding wiring, these jobs often require home repair permits. That’s because faulty wiring is a serious fire hazard and must meet strict code requirements. Even minor changes can trigger problems during a home inspection or sale. It’s always safer to get a permit and let a licensed electrician handle the job if you’re unsure.
2. Water Heater Replacement
Swapping out an old water heater might seem like a plug-and-play project, but it typically requires a permit. This is especially true if you’re changing the size, type, or location of the unit. Plumbing, gas line, and venting standards must be met to avoid hazards like leaks or carbon monoxide buildup. Still, many homeowners skip this step, unaware that a faulty installation can void their home insurance. If your water heater project goes south, having the right home repair permits in place protects you legally and financially.
3. Window Replacements (Not Just Repairs)
You might not think window upgrades need a permit, but if you’re replacing the entire window unit, they often do. That’s because window replacements can affect structural integrity, energy efficiency, and even fire escape routes. Local building codes have rules about window dimensions, insulation value, and tempered glass. If you’re enlarging the opening or altering the framing, home repair permits are almost always required. Skipping this step could mean tearing out new windows to get things up to code later.
4. Building a Deck or Patio
Whether you’re adding a deck or pouring a concrete patio, you probably need a permit—even if it’s just a few feet off the ground. Most cities regulate outdoor structures for safety, drainage, and property line concerns. Homeowners often skip this process, especially when doing weekend DIY builds. But if the city finds out, they can issue a stop-work order or force you to remove the structure altogether. Deck collapses and water drainage issues are just a few reasons home repair permits matter here.
5. Converting a Garage or Basement
Turning your garage into a gym or finishing your basement into a guest suite sounds harmless, but it can open a can of legal worms. These conversions often include electrical, HVAC, and plumbing changes, all of which typically require home repair permits. Permits ensure the space meets health and safety codes, especially for sleeping areas and exits. Unauthorized conversions can complicate home appraisals, resale value, or even tenant lawsuits. If you’re investing in a major room change, it’s worth doing it by the book.
6. Adding or Moving Plumbing Lines
Installing a new sink or moving your shower to the other wall involves more than just running pipes. Plumbing systems are regulated to prevent contamination, leaks, and water pressure issues. Most jurisdictions require home repair permits for this type of work to make sure it’s done right. If your plumbing job causes water damage and it’s discovered that you didn’t get a permit, your insurer may decline the claim. It’s better to play it safe than risk an expensive surprise.
Don’t Let Paperwork Derail Your Project Later
Skipping a permit might not seem like a big deal. It’ll save you a little time and money, but it could cause you a lot of trouble down the road. Unpermitted work can result in expensive fines or do-overs. So, before you start on a project in your home, make sure you check your local regulations. A quick phone call or Google search can save you thousands of dollars. Not to mention, it’ll protect your property value. A permit can give you peace of mind, even if it seems like a hassle.
Have you ever gotten in trouble for skipping a home permit or dodged a disaster by doing things the right way? Share your experience in the comments!
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