A building permit protects the current homeowner and the future occupants of the home. If a contractor suggests that you do not need one, check with the building department yourself; you probably do, and it is to your advantage to get one. A permit ensures oversight of your contractor's work (or yours). The scrutiny of an inspector can guard against mistakes and shoddy workmanship and ensure that the work adheres to building codes. Should a situation arise requiring you to file a claim with your insurance company on work that required a permit, you will quickly learn that your insurance company won't cover it. Always get a permit when one is required, you'll sleep better knowing your project meets safety standards for materials/construction techniques and avoid any issues when selling the home in the future.
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