While there are plenty of good reasons to have any improvements to your home done with a building permit by a licensed professional, the possibility of a denied insurance claim because of incompetent or non-permitted work is not one of them. Insurance companies pay for perils listed in the policy, such damage from an electrical fire or plumbing leak, even if shoddy work resulted in the damage.
We occasionally hear stories to the contrary, but they appear to be the stuff of urban legends and there is no confirmed incident we know of. The insurance company will likely subrogate (go after) the person who did the improperly performed or non-permitted work and possibly cancel the homeowner’s policy, but it will not affect payment of the claim. That is one of the many ways that insurance companies make money, going after the person or company who provided the unpermitted or poor workmanship.
Van Hibberts, CMI
Certified Residential Building Code Inspector ICC-5319905
IBHS Fortified Certified Inspector #FEV32561020109
ARA Certified Inspector #20302 (Applied Research Associates)
Florida-State Certified Master Inspector Lic. #HI 89
Certified Owens-Corning Roof Data Inspector
Florida-Certified Wind Mitigation Inspector
WDO Certificate #JE190791
362 Gulf Breeze Parkway, #214
Gulf Breeze, Florida 32561
850.485.3209 (Cell / Text Msg)
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