On Sun, 18 Nov 2007 13:34:06 -0800 (PST), car crash
Don't get the permit. When you go to jail, be sure to write us.
This post gets the idiot award of the month !!!!
At least if you are going to violate the law, dont tell the world.
Why dont you just steal an expensive car and park it at your local
police station parking lot so no one steals it from you........
This message wins ..........
*** IDIOT AWARD WINNER OF THE MONTH for NOVEMBER 2007 ***
If you live in Ottawa, Ontario, you ought to know:
1. City property taxes are no longer specifically based
on inspection and assessment but via the Municipal
Property Assessment Corp., a creature of the Harris
government, http://www.mpac.ca /
2. MPAC reassessments are in abeyance pending
political review by the McGuinty government.
no permit on insurance.......
some thing goes wrong with what you do no insurance
if your house burns down because of what you did with no permit no
so the final word is,stop paying insurance or get a permit.
its that simple
DIY-ing is fun, do it right & be safe
I just bought a new insurance policy from a new company and when I
asked about the inspection, they said all they do is drive by and see
if there is really a house there. They never look at what is inside.
It's not about issuing a policy - almost any insurance company will do that
even without a driveby. They *like* collecting money.
The problem is when there's a fire or other major damage and you try to collect
from them. The first thing the adjuster will do is pull all the permits and
compare that to the evidence collected at the scene. Any discrepancy and the
insurance company is legally entitled to refuse the claim and potentially put
you into a fraud situation.
"Tell me what I should do, Annie."
"Stay. Here. Forever." - Life On Mars
Chuckle. Depends on the area. Not every permitting authority is a major
urban area with electronic or microfiche copies going back 75 years.
Around here, I think they keep permit paperwork for five years, or until
the file cabinet gets full, whichever comes first. Hell, they barely
keep property transfer records. And when they converted those to a GIS
record system, they apparently burned the old plat books.
But having said that- if you don't know what you are doing, you should
definitely have a pro and/or an inspector involved.
To which I will add, from an eastern Canadian province;
The second owner of a home not far from here in a small municipality a
few miles outside the provincial capital city, a municipality with few
rules for after initial construction work, had a nasty fire a few
The owners son showed me the damage which had started in vicinity of
the electrical circuit breaker panel.
Seemingly the insurance company was most unhappy with the way a
previous owner had 'finished' the basement area. The fire situation
being aggravated by lack of fire blocking in the added finish walls
and some over the added basement ceiling work that almost guaranteed
that the fire would have had a horizontal 'chimney' to accelerate it
and increase the damage it did.
The local fire department had some difficulty putting it out, smoke
damage was extensive to whole house. Also judging by the time it took
the owner to have the damage repaired and move back, in the insurance
company did not cover all (or any?) of the cost.
Maybe an idea to watch 'Holmes on Homes' on Canadian TV channels. That
is of course about 'horror story' construction but gives some idea of
what NOT TO do!
Careful with your cutting and pasting, please- you wrapped my name
around the part I <didn't> write. Just below the part you quoted, I was
also casting doubt on the ability to find the old permits, in many
If you finish it w/o permit and if/when fire breaks out, your insurance
co. won't cover the resulting damage. I am in
Calgary and I got home owners DIY permit which includes electrical,
structural, plumbing inspection by city ispectors.
I guess it is upto you. I'd rather b on the safe side.
I have done almost all my own electrical work for years.
The only thing I will not do is direct wiring the the
But 25+ years ago my nitwit brother-in-law finished his
attic and his basement and did all the work himself.
He was a cabinet maker so some of his work was excellent.
He asked for my advice on the electrical work. I told
him to use thick guage copper wiring and metal outlet
boxes, and to have an electrician inspect it before he
put up the sheetrock. He used thin guage aluminum wiring
and plastic boxes. Fortunately he did get a permit and
an electrician to sigm off on it.
He had a rough time with the insurance company when his
house burned down because the aluminum melted. But the
permit, the electrician signing off on it, and the approval
by a county inspector saved his ass.
Never cut corners on electricity!
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