Ahh, another special session on homeowners insurance

[dutch777]

3. A PSA for DIYers. Just had electrical work done & was told by inspector it was good I got a permit

I am in suburban eastern PA not FL, but the inspector said that work done on a residence without a permit is no longer covered by most providers of home owner's insurance in the area if that work leads to a problem later. He said they are seeing issues after fires where the insurance company comes looking at the permit office for what permits were pulled on the property. And they are hearing from homeowners that their insurance claims are being denied as a result of work done without a permit being issued to cover it if it is the cause of the claim issue. The inspector noted that electrical devices and plumbing components now all have date stamps or codes that allow insurers relatively easily to determine likely timeline of installation and can correlate to permit records to see if work was permitted and inspected. Check the fine print of that insurance policy is even more important.