re: Any of you D.I.Yers ever build without a permit?

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Why do you think we have building codes in America?

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Because insurance companies forced them onto people so they could charge you the same premium but reduce their liability on damages thus making more profit.

There were no inspectors in many Parishes in LA for a long time until after Rita and Katrina and the insurance companies threatened to pull out unless a statewide code was adopted and enforced.

I know because I built in a Parish with no inspectors pre-hurricanes and I remember the headache it was when the Parish was trying to get the code office started to comply with the state.