Better Homes and Gardens Rand Realty
Kenneth Rabasco, Better Homes and Gardens Rand RealtyPhone: (914) 844-2885
Email: [email protected]

Are you Buying a House Without Permits for Remodeling?

by Kenneth Rabasco 11/03/2019

Buying a home without of permit for remodeling comes with a lot of risks. Searching for a home to buy can be an exciting undertaking, but there are numbers of factors to consider before purchasing a house. You should find out if the house has a permit for remodeling and if the home you are about to buy has had improvements, you need to know whether those improvements were permitted. 

Most times, homeowners end up with unpermitted renovations to save time and money. Your county building inspector has to ensure that all homes comply with the existing laws that pertain to home remodeling. They also have the authority to enforce the rules. What happens if you are buying a house without a remodeling permit? Here are some risks involved: 

You will not be aware of renovations 

One of the dangers of buying a property without a remodeling permit is that the buyer will not know about the past improvements that have been done. There are disparities in state laws when it comes to the amount of information a seller must disclose to the buyer. It is always better if a seller can still provide a buyer with all the necessary documentation. 

The Buyer will be responsible for fixing the problem 

If the code enforcement department in your locality discovers that you the buyer is working on remodeling without a permit, you are regarded as the current occupant of the home and will be responsible for the payments of penalties and licenses. This applies even if the occupant has just purchased the house and knew nothing about it. To fix the issue, you might be required to make minor changes or tear down some parts and rebuild. You might also be ordered to remove all the unpermitted remodeling. 

You may be asked to pay back taxes 

Owing some taxes is another risk associated with buying a house without renovation permit. If the taxing authority in your locality discover that remodeling took place without permission, the present occupant may be liable for paying back taxes due to the increased value of the home. Apart from paying back taxes, it could also attract penalties and interests which would cost you more than you initially planned for.

If the remodeling work is done without a permit, it may not be covered by your insurance. 

In most cases, unpermitted remodeling is not covered by insurance. Therefore, if anything happens to any unpermitted addition in the home, the claim will be denied by your insurance company which could set you back thousands of dollars in the future.

Make sure to speak with your real estate agent to confirm that you have all the necessary rights to remodel your new home to your taste without penalties.

About the Author
Author

Kenneth Rabasco

Professional Associations & Designations Ken Rabasco aka Bosco is a member of the National Association of Realtors, the New York State Association of Realtors, Hudson Gateway Association of Realtors, and the Hudson Gateway Multiple Listing Service. As a lifelong Westchester resident, Bosco has a vast and extensive knowledge of the intricate details that comprise the communities of Southern Westchester, be it a recommendation for the best place to have dinner in one of the many River Town restaurants, or a market forecast for what the future will hold for the next place you'll call home. With a laser-attentiveness to detail and a never-faltering determination to get the job done, Bosco is supremely dedicated to his clients, and promises the very best in service to those who work with him, whether a first-time buyer or a long-time veteran of the market. Real Estate Expertise Licensed Real Estate Salesperson with Better Homes & Gardens – Rand Realty. Bosco specializes in listing and selling of co-ops, condos and houses in Southern Westchester covering Hartsdale, Ardsley, Scarsdale, Eastchester, Tuckahoe, White Plains, as well as the River Towns and those that are on the Long Island Sound. As a licensed real estate salesperson for Better Homes & Gardens – Rand Realty in White Plains, I have developed a dedication to client service and satisfaction that is unsurpassed. I am up-to-date on all the real estate market trends. With a professional, yet friendly approach, I help my clients feel comfortable when buying or selling their next home. Professional Associations & Designations Hudson Gateway Multiple Listing Service Subscriber, Hudson Gateway Association of Realtors Member, New York State Association of Realtors Member, National Association of Realtors Member Community Involvement Member of the Rotary Club of Hartsdale - Greenburgh Education Pace University - Bachelor of Business Administration Testimonials I will never refer to Bosco as my realtor, he’s a trusted friend. I met Bosco 6 months after loosing my husband of 11 years. I have two daughter’s Jennifer and Kylie. I didn’t need this big house in Eastchester. The upkeep was just too much for me. Bosco helped me sell my home and I purchased a townhouse. It was important for me to keep my girls in the Eastchester school district. I will be forever grateful to my new friend. He still calls from time to time to check in on us. Thanks Bosco. Karen Schwartz You will not be disappointed with all the work that Ken aka Bosco does for his clients. I was able to sell my house very quickly with his knowledge of what sells a house. From the front door throughout the house he noted what had to be removed and changed. He understands what people want to see in purchasing a house. With his help I was able to sell my house for $15,000 over the asking price. You won't go wrong with Bosco looking out for you. I can't thank him enough. I learned a lot from him, he knows the business. I will be forever grateful. Helen Izzo My girlfriend and I were looking to relocate to Westchester. We were first-time homebuyers and Bosco helped us with every step of the process and helped us find our dream home. He made sure to understand what we wanted. He made himself available when we had questions. He is reliable, very knowledgeable, and a true professional. Debora Flores I had the great pleasure of working with Bosco this past winter-spring on my first home purchase. Prior to Bosco I had a bad experience with another realtor who was unfortunately very unresponsive, lacked effort and ultimately not helpful. Thankfully my wishes were answered when I met Bosco because he was the complete opposite. Bosco doesn't waste time, he's extremely on top of everything. When I expressed interest in a listing, he'd book a visit within 1-2 days of me highlighting my home. He understands how aggressive the Westchester market is; good homes were snatched quickly. Moreover, I work in Manhattan, so I could only see places late at night, 7:30pm onward. He didn't mind visiting listing with me late a night. He worked around my schedule, not his. Being a first-time buyer, I had no experience with all the complexities of co-ops. It was great working with Bosco because he knows so much. He sits on a co-op board himself, so he has first-hand knowledge of what co-op communities are looking for. He successfully guided me on all the paperwork I need to paint myself in the best light to have my offer accepted and achieve board approval. Bosco's super passionate about home buying and I think that's the type of realtor you need to successfully land a great home. His combined passion and experience makes him a great realtor in my opinion. He's my realtor for life now, because I know he'll provide the best service. Ben DiChiara Bosco is everything you would ever want in a real estate agent. Smart, personable, energetic, friendly, tireless in his pursuit, of your goal. He is dependable, reliable, and at your beck and call. What more could you want. I would use him again anytime and refer him to anyone. If I could give him more than 5 stars I would. Cecilia Cohen-Downes