Moving in without a Certificate of Occupancy (CO) in Chicago?

[Eric La Pratt]

I was talking with an fellow Chicago based investor today and the topic came up about moving in without a CO. We were curious: Is there anyone who has (or has directly heard of) experience with this and is willing to share, whether good or bad? As an owner occupant, is this possible? As a landlord, is it possible to let tenants move in prior? What happens if the city inspector sees furniture and signs of living during a final inspection?

I've heard GC's say "it's Chicago, of course it's okay!" however others (myself and this other investor included) are not so confident. It was an interesting conversation but I am curious to hear what others with experience report.

[Jeff B.]

Occupancy w/o the Certificate means *IF* there's any accident or fire, your insurance will not cover the 'event' and you may have server liability.

Not SMART!!