It is my understanding that the following applies, you pull a permit, or your contractor pulls a permit for work to be done on your home. It could be for a roof, new windows, bath or kitchen renovation, or even a Radon mitigation system. For a pool, the pool company has to have the installation checked, but it is up to the home owner to call for the Final pool inspection. Once a permit is in place and once the work is completed it is the home owner's responsibility to contact the town's inspector to obtain a Certificate of Compliance, meaning that the work was done correctly and inspected by the town's inspector. Hope this helps to answer your question. I would speak to my insurance company on the home owner's insurance question. When contracting for a job to be done, ask the contractor if the Permits are obtained thru him, or if you, the homeowner will be responsible.