Do I Really Need a Permit for That?

A Straightforward Guide for Property Owners Who Just Want the Facts

Permits. Just the word sparks reactions.

Some homeowners follow every rule to a T. Others see the whole thing as unnecessary government overreach — slow, expensive, and often inconsistent.

This article doesn’t take a side.

We're not here to tell you what to do — only to share clear, fact-based information so that you can make informed decisions without guessing.

When a Permit Is Typically Required

If the work touches anything structural, electrical, plumbing, or HVAC, a permit is probably involved.

Common examples:

• Roof replacements

• HVAC installation or replacement

• Moving or adding electrical outlets/switches

• Plumbing relocations or new fixture installation

• Full bathroom or kitchen remodels

• Window or door replacements (especially when changing size or location)

• Building or replacing a deck, fence, or shed

Some jobs that surprise people:

• Rescreening a pool cage or lanai (In many Florida cities, this requires a permit due to structural tie-ins and wind-load regulations — especially in hurricane-prone zones. Whether or not you agree with it, it’s about making sure screens and anchor points can withstand storms.)

• Replacing a water heater (Often requires a permit because the install must meet code — things like proper venting, temperature pressure valves, drain pans, and expansion tanks. Improper installation can cause leaks or safety hazards.)

Whether you believe those rules are necessary or not, cities enforce them — and skipping the permit can come with consequences.

What Usually Doesn’t Require a Permit

• Interior or exterior painting

• Installing new flooring (tile, vinyl, carpet, wood)

• Replacing cabinets or countertops (if plumbing and electrical aren’t touched)

• Hanging ceiling fans or lights (no rewiring)

• Basic landscaping work

Important: Every city or county can set its own rules. When in doubt, a quick phone call or website check with your local building department can give you clarity — no commitment, no names required.

Why All the Permits?

You’re not wrong to wonder, “Why do I need permission to work on my own house?” It can feel invasive. But here’s the logic behind the permit process:

• Safety – To reduce risk of fire, leaks, and other hazards from incorrect installs

• Code compliance – Ensures projects meet updated standards (which aren’t always obvious)

• Accountability – Inspections make sure the work is actually done right

• Insurance – Unpermitted work could complicate or invalidate a claim

• Resale – Unpermitted work often delays or kills home sales due to red flags on inspection

You don’t have to agree with all of it. Just understand what the rules are — and what might happen if you ignore them.

What Happens If You Skip the Permit?

It’s true — many people skip permits and never face a problem. But when things do go wrong, here’s what can happen:

• Home sale delays – Title companies and buyers can stall or walk away over unpermitted work

• Fines and stop-work orders – Some cities impose double permit fees or force you to undo the work

• Insurance denials – Especially for fires, leaks, or electrical faults tied to uninspected systems

• Safety risks – Poor installs are harder to spot until something fails

Again — not a scare tactic. Just what homeowners have run into when the city, buyer, or insurer takes a closer look.

Who Should Pull the Permit?

In most cases, the contractor should pull the permit — especially if they’re licensed for the trade.

• If a contractor asks you to pull it, that’s worth a conversation. It could mean:

• They’re not licensed for that specific scope

• They want to avoid inspections

• They’re pushing liability onto you if something goes wrong

  
  

  That doesn’t mean they’re a bad person — just that you need to know what you’re taking on.

What You Can Do

• Call your local building department — most will answer questions without asking who you are

• Look up your project online — many cities now post permit requirements on their websites

• Ask a few contractors what they recommend — and if they’ll handle the permit for you

You don’t have to get caught in the middle of a policy debate. You don’t have to follow anyone’s advice. Just be informed — and weigh the risk before making a call.

More in the Homeowner Knowledge Series Coming Soon:

• How Much Deposit Is Too Much? Understanding Contractor Payment Schedules

• What to Ask Before Starting a Kitchen or Bath Remodel

• Does a Handyman Need a License? Know Before You Hire

• Understanding Roofing Scams After a Storm: What to Watch For