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What Happens If a Contractor Does Work Without Permits?

Last updated October 26, 2026

The short answer

Why Permits Matter

Permits exist so local inspectors can check that work meets building codes for safety and structure. Without a permit, no one verifies that electrical wiring, plumbing, or structural changes are done correctly. That can put your home and family at risk, especially if water damage or fire hazards are hidden behind walls.

In a humid subtropical climate, unpermitted work can also lead to moisture problems that encourage mold and rot. If you live in Doral, keep records of any permits for future reference. You might need them when you sell your home or file an insurance claim.

What Can Happen to You

When your local building department finds unpermitted work, they can order an inspection. If the work fails inspection, you may have to pay for corrections or even remove and redo it. Fines are possible, and they can add up quickly.

The biggest impact often comes later. When you sell your home, buyers or their lenders may ask for proof of permits. Without them, a sale can fall through, or you may need to lower your price. Your insurance company may also question coverage for damage related to unpermitted work.

  • Fines from your local building department
  • Required inspections of the unpermitted work
  • Costs to fix or redo the work to code
  • Problems when selling or refinancing your home
  • Possible insurance coverage issues

What About the Contractor

The contractor who did the work without permits might face penalties from the local building department. They may also be held responsible for fixing code violations. However, if they disappear or refuse to help, you are the one left with the problem.

You can check with your local building department to see if the contractor has had other permit issues. You might also consider a complaint, but that does not solve the immediate issue. In many cases, you will need to hire someone else to bring the work up to code.

How to Fix Unpermitted Work

Start by contacting your local building department to ask what is needed. They may allow you to apply for a permit after the fact, often called an after-the-fact permit. An inspector will then review the work and tell you what corrections are required.

You will likely need a qualified professional to do the corrections. For water-related damage, a water damage inspection can help identify hidden issues. If drywall or flooring was affected, you may need drywall repair or flooring removal services.

  • Call your local building department first
  • Ask about after-the-fact permits
  • Arrange for an inspection
  • Hire a qualified professional for corrections
  • Keep all permits and inspection records

Preventing Permit Problems

Before any project starts, ask the contractor to show you the permit. In many areas, the contractor pulls the permit, not the homeowner. You can also call your local building department to verify that a permit was issued for your address.

If you are unsure whether a project needs a permit, ask your building department. It is better to spend a little time checking than to face fines or rework later. For water damage repair, a local water damage pro can often advise on permit needs for specific jobs.

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Frequently asked questions

Can I sell a house with unpermitted work?

You can sell it, but you may need to disclose the unpermitted work to the buyer. Many buyers will ask for permits, and some lenders will not finance a home with unpermitted additions. You might have to get permits or lower your asking price.

Will my insurance cover damage from unpermitted work?

Policies vary, and your insurer decides what is covered. Some policies may deny claims if the damage resulted from unpermitted work. Check your policy and talk to your insurance company before filing a claim.

What if the contractor refuses to fix the problem?

You can file a complaint with your local building department or a consumer protection agency. However, you may still need to hire another professional to correct the work. Keep all paperwork and photos as evidence.

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