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What you need to know about permits, zoning and inspections
When it comes to permits, zoning and inspections, there is one safe rule to follow. You should
never be asked to pull a permit or get involved in zoning unless you are doing the work for
yourself. Here's what you need to know to protect yourself:
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Only licensed contractors or homeowners can apply for a building permit If your
contractor asks you to apply and be responsible for the building permit, it is a pretty
good sign that the firm is unlicensed and uninsured.
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Whoever applies for the building permit accepts total responsibility for the overall job.
Unfortunately, this means assuming responsibility for all insurance and complete risk if anything
goes wrong.
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Beware of contractors who offer you a discount. Some contractors will offer a discount if the
homeowner applies for the permit. Consider the responsibility for workers’ compensation, public liability,
and doing the job again if it isn't done right the first time. It is not worth the risk.
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Most homeowners' insurance policies do not cover the risk. Homeowners are often shocked to learn that
workers' compensation and public liability are not covered under most homeowners' insurance policies.
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