Garage converted room in Broward County

[independent man]

Originally Posted by blueherons

It must be permitted or it will not pass inspection and will not be able to be insured and will not qualify for a mortgage.

No homebuyer will buy it as is with it being an unpermitted addition.
No insurance company will insure it.
Either pull the permits now and pay to have it brought up to code, or convert it back.
FWIW, I ALWAYS include on my sales that the seller is responsible for making whole any upgrades that are not permitted on the seller's dime.
I do this for the above.
If the city finds out, they will fine you $100 per day until it is reverted back or brought up to code.
Contrary to the above, there are no longer a lot of unpermitted add ons all over the city.
FWIW, your insurance can refuse to pay a claim with your unpermitted addition.

Heed these wise words. You may think you have flown under the redar with unpermitted changes, but if they are discovered by your insurance company or lender, it may be an expensive lesson. Especially, if an insurance claim is denied after investigating and then discovering anything unpermitted.

[BNBR]

Originally Posted by independent man

Heed these wise words. You may think you have flown under the redar with unpermitted changes, but if they are discovered by your insurance company or lender, it may be an expensive lesson. Especially, if an insurance claim is denied after investigating and then discovering anything unpermitted.

They don't deny because "anything" is unpermitted. It has to be relevant to the claim.

[independent man]

Originally Posted by BNBR

They don't deny because "anything" is unpermitted. It has to be relevant to the claim.

The insurance adjuster & the claimant homeowner may have entirely different ideas of what unpermited work is relevant to the claim.

[BNBR]

Originally Posted by independent man

The insurance adjuster & the claimant homeowner may have entirely different ideas of what unpermited work is relevant to the claim.

Insurance adjuster would have a hard time pinning some drywall in the garage on a roof leak on the other side of the house, or an electrical fire in the kitchen. It's just not how it works.