bath fan Mechanical permit

[petersonra]

Greg,
The problem is many contractors don't understand why a permit is important to secure for even the smallest of jobs, it's required to keep the owners insurance insurance coverage whole. When a contractor fails to secure a permit where required, for any size job, he puts the owner at risk, and should something go wrong, the contractor will also have problems.

This kind of statement is made all the time. Is there any actual truth to it?

If this was the case, just about every residence and facility of any type in the country would be at risk. There is always work done without permits. Everywhere.

 

[satcom]

This kind of statement is made all the time. Is there any actual truth to it?

If this was the case, just about every residence and facility of any type in the country would be at risk. There is always work done without permits. Everywhere.

Every area of the country differs on permit requirements, some area require permits, and inspections, others don't, some have local rules on the permit process, and some the state regulate.

If you are insured by a company, that has an exclusion, for work done without permitting, and where you are, permits, and inspections are required, then if you have work done without a permit, your insurance contract can be violated.

Not everyone in the country would be at risk, only the ones that had insurance contracts with exclusions, or deficit clauses for non permitted work, and the insured property, was in an area that required permits and inspections.

Different companies, issue different insurance contracts, some have exclusions, and some don't. If you have exclusions, you can usually purchase coverages at additional cost.

 

[petersonra]

I have heard of an insurance contract that excluded work done w/o a permit, but when I have tried to verify that they actually exist, I have not been able to document that they exist. I am wondering if they are an urban myth.

 

[infinity]

I have heard of an insurance contract that excluded work done w/o a permit, but when I have tried to verify that they actually exist, I have not been able to document that they exist. I am wondering if they are an urban myth.

My guess is that this is an urban legend.

 

[RHJohnson]

Look guy's - Greg1707 attempted to get a permit, the same as he had done before. Personally I think it is crazy to require a permit to install a bathroom fan in a 50 y.o. house! And then to require a mechanical permit on top of a electrical permit! Who is it that signs off - 3rd Rock From The Sun? Is that where we are? Maybe they do that in some parts of the country, but not anywhere I've been ...... I think...... I have worked from Maine to California, and Alaska to Florida....
I will grant some electricians would not want to do the work, a prima donna type, and for a major undertaking I probably wouldn't either. But a simple short run, and not out the roof I sure wouldn't get upset!
And that must be an urban myth about the home insurance! It has never been on a policy I had, and my brother in law - who has his own insurance agency has never heard of it either!
But - back to the beaurocracy - who wouldn't give the permit. Write to every official you can, make every logical argument why both permits should not be required. And never give up - make a nuiscance of yourself if need be. Get your fellow electricians to write - just be sure they are logical and don't sound like fools. Not all laws are sensible, and it is up to the people to get those off the books.
I would imagine that the typical homeowner would decide to not have that bathroom fan installed if he had to pay both an electrician and HVAC guy. Not everyone is rich....but they certainly deserve to have an exhaust fan in the bathroom!

In every life a little rain will fall, won't this monsoon ever end!