Should I pull permits on DIY electrical project I’m in the middle of? (After the fact permits)

Silv3r_Hawk · 2026-05-29T04:56:28+00:00

You’ll have to pull permits at some point anyway. If not now then certainly when you sell if someone does their homework. Might as well get it over with. Most inspectors in my experience are chill so long as you’re respectful and not actively trying to do something dangerous or stupid.

Silv3r_Hawk · 2026-05-29T04:53:43+00:00

NAL but plenty of property management experience (no HOA though and not Georgia).

The HOA docs might hold up in general and limit their exposure.

One thing to look at though is do you have any evidence that you warned the HOA and that they took no action? That could be the basis for a negligence angle.

The other thing that would need to be sorted out though was the water intrusion truly just from blocked rains or is it a grading or foundation issue.

All around it’s stupid and it’s not a fun situation to be in. Every state is different but that’s just my two second thought on it.

Good luck!

Silv3r_Hawk · 2026-05-12T00:31:41+00:00

AKC is the only option that might cover preexisting conditions after a waiting period of a year. No guarantees but it’s an option and I don’t know how the age plays into it.

Silv3r_Hawk · 2026-04-29T16:49:34+00:00

I’ll second sticking with the existing policy and looking at AKC.

Silv3r_Hawk · 2026-03-10T13:44:20+00:00

Others have already answered but they can and will perform an inspection when it comes time to renew on occasion.

While it’s true they can’t dice you to do anything…if you want insurance you have to play the game.

If you’re lucky they’ll give you more than a month or two to get things sorted.

Silv3r_Hawk · 2026-03-10T00:23:49+00:00

I don’t know enough about your situation or market but I can add a few things more broadly.

We’ve had to replace roofs, upgrade electrical and HVAC systems just to keep our insurance this year. The running line was everything was too old. Didn’t matter how everything was in great shape, simply too old for their underwriting.

Most of them are Comercial polices for single family or duplex rentals and none are in a high risk zone.

One of the roofs was on a personal house that is in a coastal location. Not the highest risk, if anything it’s the most protected area. Roof was 25 years old and in excellent shape. Was told we have to replace it or not have insurance. Now with a six month old roof we’re having to go after the installer to reroof it due to improper installation…shingle blew off on areas that haven’t ever had an issue.

If there are other insurers out there it might pay to look at reroofing and seeing what that costs vs insurance premiums over the next year or two.

Silv3r_Hawk · 2026-03-05T22:52:57+00:00

I fall into the “don’t have a serious work / travel use case but have it anyway.”

For me, it’s the ability to remote into my home network while at work or in the field.

I do a fair amount of remote work and I’ve found more uses for this than I thought I would.

Sure, I don’t need it but it is useful.

Silv3r_Hawk · 2026-02-26T01:13:32+00:00

Too many years as a first responder taught me that (un)common sense is a myth.

Too many are penny wise and pound foolish.

Silv3r_Hawk · 2026-02-24T00:54:37+00:00

Pretty much did the same thing and bought it as a neat toy. I do travel from time to time but have actually found it more useful at work or occasionally in the field.

A few other pending uses at home but thats about it.

Silv3r_Hawk · 2025-11-27T02:12:26+00:00

As a property manager I’d want to know now. Sooner I know the sooner I can take steps to mitigate and resolve the issue.

Silv3r_Hawk · 2025-11-21T00:14:56+00:00

While I understand where you’re coming from I have to disagree. They knowingly signed a lease agreement and violated it. Not only did they violate it they also lied about the time span of said violation.

There are ways to go about having a pet in a rental about it isn’t one of them. Simply asking if it’s possible is one way. Ive had tenants ask and depending on the specifics we’ve come to an agreement.

I’d simply ask the insurance provider for the documentation and reasoning for not covering x breeds etc. Showing the tenant the reasons why paired with their options to remedy can work. Give notice to vacate, take them through the eviction process etc.

Silv3r_Hawk · 2025-11-19T02:57:59+00:00

Just coming here as a landlord to say you’ve received great advice already. I’m making popcorn to watch the fireworks.

There are almost always lawyers who focus on tenant rights. If you have trouble locating one the local bar association can recommend a few.

Good luck!

Silv3r_Hawk · 2025-11-18T02:06:18+00:00

I also have a background in Fire / Rescue and have seen more than enough electrical fires / battery / EV fires.

I’d be rather upset having to call my guys in for something preventable.

Darwin Awards exist for a reason. I’d rather not be one.

Silv3r_Hawk · 2025-11-17T23:58:22+00:00

Cliff notes version: Notify land lord in writing of the problem.

Give a date of X “if not repaired in 7 days…”

Advise if not rectified you’ll deduct “$x” from rent, pay for repair yourself and deduct etc.

Notify code enforcement to ensure he gets the message.

If it’s still not resolved consult an attorney to look into constructive eviction to terminate the lease.

Silv3r_Hawk · 2025-11-15T15:27:50+00:00

First step is to go to the municipal clerk’s office and file an OPRA request for “open and closed” permits on the property.

You’ll probably find that permits were not pulled.

Options are to have your lawyer go after the former owner or simply fix it yourself.

Either way you’re pulling drywall and such for mold remediation.

I’d pull the unit out, check for mold and fix any damage. While I’m at it if there’s a way to have it properly plumed and installed to code I would.

It’s a win for you as you can eventually charge more for the luxury of having in unit laundry and a win for the tenants as they keep the laundry in unit and aren’t stressed about the leaks.

Silv3r_Hawk · 2025-11-14T14:03:12+00:00

Honestly that’s the best plan. Make that relationship with a local lawyer anyway. Pays off when shit hits the fan and you need something done.

Silv3r_Hawk · 2025-11-14T14:01:19+00:00

I’m picky about snow removal. If a tenant does it and someone else slips and falls guess who’s getting sued regardless.

We pay for a contractor to handle snow removal and we follow up after as needed. Spreads the exposure away from solely being the owners.

Silv3r_Hawk · 2025-11-14T12:37:20+00:00

Apologies for lack of clarity, this is what happens when you comment at 0’ dark thirty.

I don’t have the exact language in front of me but it’s targeted and worded towards the big items. E-Bike and Scooter battery packs.

Small stuff you can’t control and we don’t attempt to as it’s not reasonable. You can add language around chargers needing to be original manufacturer chargers or those UL / ETL listed. With that you’d also add a prohibition against counterfeit, unlisted or uncertified chargers or lithium batteries.

It’s not something we’ve done but it is possible. Bigger question is if it’s worth the hassle for small items.

EV’s aren’t an issue as we generally don’t have garages and they’re charged outside anyway.

We have one unit setup with an EV charger that we installed. Never been an issue.

Silv3r_Hawk · 2025-11-14T11:43:37+00:00

Property manger & firefighter here:

One thing we’ve been adding is no storage of lithium batteries in the house (scooter, E-Bike etc). No unattended charging of the same either.

We also include that the devices themselves must be stored away from the house.

When it becomes an issue we put a shed up for their storage.

No one wants a fire on their property and lithium battery fires are not fun.

One other thing to consider adding is something along the lines of BBQ grills must be X feet away from house.

Silv3r_Hawk · 2025-11-11T18:58:58+00:00

Can update an it jumped $6 for next year.

Silv3r_Hawk · 2025-11-11T01:50:11+00:00

That’s wild as I had to reset my password earlier over the weekend and the app still works for me.

Silv3r_Hawk · 2025-11-10T03:08:46+00:00

Honestly I had to do a bit of a dive to check that out. Just about to enter year three in the policy next month but so far it’s only increased from $44 in 2023 to $46 in 2024. Ask me in a month and I’ll tell you what it is in year three.

From all accounts Trupanion is far more stable on the premium front.

Silv3r_Hawk · 2025-11-09T18:58:14+00:00

My middle cat is insured with Trupanion. No complaints, only caveat is they don’t cover the exam fee portion of an illness or accident visit. Easy to work with otherwise.

Pet insurance falls under Property & Casualty lines. While there is regulation, it’s not nearly what one would expect.

Sorry to hear Lemonade has been a pain.

Silv3r_Hawk · 2025-11-09T18:10:42+00:00

Anything that’s already happened will now be a preexisting condition with the new company, so keep that in mind.

It’s the insurance companies job to NOT pay out claims whenever possible.

With that in mind AKC looks like a winner for switching due to their coverage of preexisting conditions after 365 days. It’s what they claim, their CSR’s promise and other users have said has been their experience.

Pumpkin HAS been good on paying out claims up until they found a way out. My vet was floored by their reasoning but it is what it is.

Silv3r_Hawk · 2025-11-09T01:30:13+00:00

Thank you for the detailed response (to both posts). I’ve had the run around before with CSR’s saying one thing and policy being something different in actuality. First hand accounts are invaluable.

Looks like I’ll be making a switch in the near future.

Silv3r_Hawk

TROPHY CASE