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Miami Permit Question Hello, I have a house that was built…

Miami Permit Question

Hello,

I have a house that was built in 1989. The original owners enclosed the garage to create a room with a full bathroom and they also added a storage room in the back. It all looks great and you can't tell it wasn't there originally but it was all done without permits.

Despite the no permits, there have never been any issues over the 37 years. The house has gone through hurricanes, multiple 4-point inspections, insurance renewals, etc. I even pulled a permit to replace the entire roof a few years ago and there were zero problems or questions raised.

Now I'm at the point where the home genuinely needs major upgrades: replacing the HVAC system, upgrading the electrical panel, and converting from a traditional water heater to a tankless system. The issue is that the current water heater is located inside the unpermitted storage room.

That leaves me feeling stuck. If I pull permits for the work, I worry an inspector could flag the storage room and open a much bigger issue. If I don't pull permits, then I risk insurance or future liability problems from doing major work without permits.

It feels like something done 37 years ago has finally caught up to me, even though I had nothing to do with it and the property has changed ownership twice since then.

Has anyone been through something similar? If I pull permits and explain that the additions were done decades ago by previous owners and have never caused issues, does that usually help at all? I genuinely want to upgrade the house properly and do everything the right way, but honestly I'm pretty nervous about how this could go.

I also have good contractors willing to just do the work up to code without permits.
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