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Kamil Andrukiewicz's Blog

By Kamil Andrukiewicz | Agent in Farmington, CT

Do I need a permit to finish my basement?

Do I need a permit to finish my basement?

Yes, even though many property owners do not take out permits it is highly recommend that it be done, especially now!  Banks are getting tighter with rules; appraisers pay more attention to permits, especially on FHA loans.  Appraisers are now checking for permits and marking appraisals subject to owners obtaining proper permits, and a certificate of occupancy, mostly for basements but also for bonus rooms and any additional sqft that are not on the town card.  What does that mean for the seller?  The seller must now call the city chief engineer/inspector and apply for the permits.  This can be a pain, some towns are easy and some are tough.

The inspector will come and check to make sure all work was done to code, they may take apart a part of the wall or sheetrock or boards, etc… It must be done to code or it will have to come down which may crumble the entire sale/purchase.  Some towns go as far as charging you fees and back taxes especially in today’s economy where many cities and towns are running on negative budgets, it’s simply not worth it anymore, it will catch up to you eventually, pull the permit!


Kamil Andrukiewicz

www.homesbykamil.com

Comments

By Kerry Lucasse,  Tue Sep 4 2012, 20:03
Great info! I know that lots of homeowners want to try and avoid getting a permit, but they could pay for that when it is time to sell the home.

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