6 Renovation Projects That Require a Permit (But Most People Skip It)
Renovating your home feels exciting—until the city inspector shows up asking for paperwork you don’t have. Many homeowners dive into improvements without realizing certain projects legally require permits. Skipping this step can lead to hefty fines, forced demolitions, or major problems when you try to sell your house. Just because your neighbor “did it without one” doesn’t mean it’s a risk worth taking. Here are six renovation projects that often need a permit, even though most people roll the dice and skip it.
1. Building or Expanding a Deck
Adding a deck seems like a simple backyard upgrade, but most cities require a permit before you even pick up a hammer. Building codes regulate things like deck height, railings, and structural supports to ensure safety. If your deck isn’t properly inspected, it could collapse under weight or cause major problems during home inspections later. Even low-to-the-ground decks often have permitting requirements you might not expect. Before you start laying boards, check local codes to stay on the right side of the law.
2. Major Electrical Work
Swapping out a light fixture might not raise eyebrows, but running new wiring, installing additional outlets, or upgrading your electrical panel definitely does. Electrical work without a permit can create dangerous fire hazards and even void your homeowners’ insurance. Permits ensure the work is inspected and meets safety standards that protect everyone living in the home. Even skilled DIYers can overlook important code requirements without professional oversight. When it comes to electricity, shortcuts are never worth the risk.
3. Converting a Garage or Basement into Living Space
Dreaming of a finished basement, a rental suite, or a trendy garage apartment? You’ll almost always need a permit to legally convert non-living spaces into habitable rooms. Codes govern everything from ceiling height to emergency exits (like egress windows) and proper ventilation. Unpermitted conversions can seriously reduce your home’s value and become a nightmare when it’s time to sell. Plus, insurance might not cover damages or accidents in an illegally finished space. If you’re upgrading square footage, make it official.
4. Installing New Plumbing
Moving a sink, adding a bathroom, or even relocating a washing machine usually requires a plumbing permit. Plumbing changes affect water pressure, waste drainage, and can even lead to contamination if not done correctly. Municipalities require inspections to catch small mistakes before they become costly disasters. Without a permit, you risk leaks, mold issues, and expensive repairs down the line. Water damage doesn’t just ruin your home—it drains your bank account faster than almost anything else.
5. Structural Changes Like Removing Walls
Open floor plans are all the rage, but removing walls without permission can literally bring the house down. Structural changes—especially those affecting load-bearing walls—absolutely require a permit and professional review. Improper demolition can compromise your home’s stability and pose major safety risks. Even if it looks easy on TV renovation shows, taking down a wall without planning approval is a huge gamble. Always consult a structural engineer and pull the proper permits before swinging that sledgehammer.
6. Installing a New HVAC System
Installing a new furnace, air conditioner, or ventilation system isn’t just a plug-and-play project. HVAC systems must meet energy efficiency codes, ventilation standards, and local safety requirements. Skipping the permit process can lead to improper installation, higher utility bills, and costly rework if the system fails inspection later. Plus, without a permitted installation, you could void equipment warranties or insurance coverage. Heating and cooling your home safely means playing by the rules from the start.
Permits Protect More Than Just Paperwork
While it’s tempting to skip permits to save time or money, doing things the right way protects your home, your finances, and your future resale value. Permits ensure that projects meet safety standards, catch mistakes early, and prevent costly legal headaches later. Cutting corners might feel like a win in the moment, but it often leads to much bigger problems down the road. When it comes to home improvements, the smartest investment you can make is doing things by the book—permit included.
Have you ever gotten yourself into trouble doing work that requires a permit?
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