Building Permit Myths: Debunking the Misconceptions

5 June 2025

So you’re ready to start a home renovation, build a backyard shed, or maybe even add an extra bedroom to your house. The excitement is real—but then someone says, “Don’t forget about the building permit!” Cue the eye roll, mental math, and a whole lot of confusion.

You've probably heard a bunch of stuff about building permits—what they are, when you need them, and whether anyone really checks. But how much of it is true? Spoiler alert: not much.

Let’s dive into some of the biggest myths floating around about building permits and straighten them out. Because when it comes to your property, it’s better to be safe than sorry.

What Is a Building Permit, Really?

Before we jump into the myths, let’s get the basics down.

A building permit is an official approval issued by a local government agency that allows you (or your contractor) to proceed with a construction or remodeling project. Why does this matter? Because it ensures the work being done is safe, up to code, and doesn't turn your home sweet home into a future disaster zone.

Think of building permits as the spell-check of construction. They catch the big mistakes before they become bigger problems.

Myth #1: “If it’s my property, I can do whatever I want.”

Let’s be real—this one comes from a good place. You bought the house, you mow the lawn, and you pay the taxes. So, shouldn’t you be the boss?

Unfortunately, local governments don’t see it that way.

Even though you own the property, you’re still required to follow city or county building codes and zoning laws. These rules exist for safety reasons and to protect your neighbors, your community, and yes—even you.

For example, building an unpermitted second story might seem like a cool DIY project… until it collapses or causes a fire hazard. Oof.

Myth #2: “Permits are just a way for the city to make money.”

Ah yes, the ol’ “money grab” theory. While it may feel like another fee in an endless stream of homeownership expenses, building permits are not just about revenue.

Permit fees actually help fund the staff and services that keep buildings safe. This includes inspectors, planners, engineers—you know, the people making sure your renovation isn’t a ticking time bomb.

Plus, in the grand scheme of things, permit fees are often a small percentage of your total project budget. Skipping the permit might save you a little cash upfront, but it can cost you way more down the line (more on that in a bit).

Myth #3: “I’ll just skip the permit—no one will know.”

Famous last words.

Sure, you might get away with it for a while. But the truth is, unpermitted work gets discovered all the time. Maybe a neighbor reports it. Maybe an inspector notices during unrelated work. Or maybe—and this is the big one—it comes up when you try to sell your house.

Real estate agents, buyers, and lenders often ask for proof of permits. If you can't provide it, guess what? That beautifully finished basement might as well be a liability.

Not only can it delay or derail a sale, but you might also be forced to tear the work down or pay hefty fines. Ouch.

Myth #4: “Minor work doesn’t need a permit.”

This one’s a little trickier. Some small projects really don’t need a permit. Think: painting your walls, replacing countertops, or hanging shelves.

But once you get into territory like removing load-bearing walls, changing the plumbing, or touching your electrical system—it’s no longer “minor.”

Every municipality has its own rules about what does and doesn’t require a permit, so it’s always smart to check. One quick call to your city’s building department is a lot cheaper than a demolition notice.

Myth #5: “I hired a contractor—so they handle the permits, right?”

Not always.

Some contractors take care of permits as part of the job. Others expect you to handle it. It really depends on your agreement.

Here’s the kicker: if permits are skipped, the homeowner is usually the one on the hook—not the contractor. So if your contractor says, “We don’t need a permit for that,” don’t just nod and smile. Get a second opinion.

A good contractor won’t cut corners. If they're suggesting work without permits, it could be a red flag.

Myth #6: “Permits take forever and slow everything down.”

Okay, sure—permits can take time. But they’re not always the nightmarish bureaucratic mess people make them out to be.

Many cities now offer online applications, digital plan review, and even same-day approvals for simple projects. The timeline often depends on the size and complexity of the work.

And while waiting for a permit might delay the start of your project, it can also prevent major headaches mid-construction. Think of it as the insurance policy for your renovation.

Myth #7: “If it’s inside the house, I don’t need a permit.”

This one’s especially sneaky. People assume that only exterior work (like fences or garages) needs a permit. But interior changes can have just as big an impact.

Things like:

- Moving walls
- Adding new plumbing
- Rewiring electrical systems
- Converting a garage to a bedroom

All of these definitely require a permit in most places.

It doesn’t matter if it's inside. If you’re modifying systems that affect safety or structure, you’re probably in permit territory.

Myth #8: “I can just get the permit after the work is done.”

Ah, the backpedal plan. It sounds reasonable—you’ll do the work now, and sort out the permit stuff later.

Unfortunately, it’s not that easy.

Some cities do allow “retroactive” permits, but they don’t come without complications. You’ll likely pay extra fees, and the inspection process can be more intense. In some cases, inspectors might ask you to open up walls or ceilings to verify the work was done correctly.

Worse, they could deny the permit altogether, leaving you with no legal way to keep the work in place.

Myth #9: “Permits are only needed for homes, not rental properties.”

False! Whether it’s your primary residence, a rental, or vacation home—building codes and permit regulations apply equally.

In fact, rental properties are often more heavily scrutinized. Many cities have stricter rules for landlords and tenants to ensure safety for occupants.

If you're a landlord doing unpermitted work and something goes wrong, you could be facing legal and financial consequences far beyond what a homeowner might deal with.

Myth #10: “If it’s not visible, it doesn’t matter.”

Just because nobody can see it doesn’t mean it’s not a big deal.

Hidden problems—like faulty wiring behind a wall, improperly vented plumbing, or inadequate insulation—can lead to serious (and expensive) issues over time.

Permits aren’t just about appearances. They’re about what’s underneath the surface.

Inspectors know what to look for and can catch problems an untrained eye might miss. Ignoring these hidden hazards is like putting lipstick on a pig—looks fine until it squeals.

Why You Should Care About Building Permits

Still not convinced?

Here are a few reasons permits are your friend, not your enemy:

- Safety First: Permits help prevent shoddy work that could lead to fires, collapses, or other disasters.
- Legal Protection: If something goes wrong, having a permit can prove you did everything by the book.
- Higher Resale Value: Buyers love seeing permitted, inspected work. It makes them feel confident about the home.
- Avoiding Fines: Getting caught without a permit can cost you big.
- Peace of Mind: Sleep easier knowing your project meets safety and building standards.

So, When Do You Actually Need a Permit?

Here’s a general list of projects that often do require permits:

- New construction
- Major renovations
- Structural changes (like removing walls)
- Electrical upgrades
- Plumbing changes
- Window and door replacements (especially if altering size)
- HVAC installation
- Decks and patios
- Fences over a certain height

And here are a few that usually don’t:

- Painting and wallpapering
- Installing carpet or hardwood
- New cabinets (as long as they don't affect plumbing or walls)
- Simple landscaping
- Replacing faucets or light fixtures

Again—check with your local building department. They’re usually happy to answer questions and prevent costly mistakes.

Final Thoughts: Don’t Fall for the Myths

Your home is one of the biggest investments you’ll ever make. Why risk it on hearsay or outdated advice?

Understanding the truth about building permits can save you money, time, and a heap of stress. It’s not just about red tape—it’s about doing things right the first time.

So next time someone tells you “you don’t need a permit for that,” give it a second thought. Better yet, give your city a quick buzz. Because when it comes to your home, you'd rather be the rule-breaker in Monopoly, not in real life.