No Final Permits, No Insurance Pay out
For a long time here, some have told me I am wrong that a homeowners insurance company may not pay if a fire or other damage is determined to be due to work that was incorrectly done without permits.
Below is a link to a story that documents that it can happen.
"A few years ago, after an electrical fire burned down a house in Bridgewater, the insurance company denied a claim filed by the homeowners after finding that no permits had been taken out for the finished basement where the fire started.
In Bridgewater, as in so many towns across the state, unauthorized work often comes to light with a reassessment, property sale or, in the worst-case scenario, an accident or fire...."
Here is a link that might be useful: Work done without permits, open permits a problem across N.J.