Dangers of unpermitted roof when reselling properties

[Eli Silverman]

I have a house I'm looking to wholesale but I have a concern about the roof.

It was replaced a couple of months ago and the seller thought that the roofers were pulling permits but I can't find any evidence of permits being pulled on my city website.

The roof was a tear off and a secondary moisture barrier was installed underneath. It's 3 tab shingles not architectural. She says she monitored the installation to make certain everything was too code.

My question is, how much if any headache will it be reselling the house if permits were in fact never pulled. What will it cost to mitigate the issue.

Can a buyer get insurance if the roof was done without permits? 

I live in Jacksonville Florida if that makes any difference.

Thanks in advance

Thanks

Rrfffc

[Kevin Romines]

Insurance doesn't get involved with pulling permit records. Insurance is really about covering the structure that is there even if that structure has unpermitted additions. Now all insurance companies have conditions of improvements requirements. Some companies are tougher on what some people would think is nit picky items. Most are about the same. Typically an inspection of the property will be done by their inspection dept. after the policy has been started. They will look at all things on the exterior and make sure it complies with their own guidelines. If it doesn't, they may give a certain amount of time to comply or they may do a cancellation, but they cant cancel before a 30-45 notice by law.

If your unsure how that process works, just have an open honest discussion with the agent about how their company works in that area and also tell them about any areas of concern. I know for my company, we typically will not bind coverage before I or any other agent goes out to get pictures.