When purchasing a home in the United States, verifying unpermitted construction is critical. First, contact the local building department to review permits for the property. Many jurisdictions maintain online databases accessible by address or parcel number. Second, hire a licensed home inspector to identify structural or electrical work lacking permits. Third, review the property’s title report for liens or disputes arising from unpermitted modifications. Unpermitted construction can void insurance coverage, trigger fines, or require costly retroactive permits.

Checking for unpermitted construction is essential because approximately 20% of U.S. homeowners have at least one unpermitted improvement, according to a 2022 study by the National Association of Home Inspectors (NAHI). Unpermitted work often violates building codes, posing safety risks such as electrical fires or structural instability. For example, a 2021 report by the U.S. Consumer Product Safety Commission found that 15% of residential fires in urban areas were linked to improperly installed electrical systems without permits. Additionally, a 2023 analysis by the National Association of Realtors (NAR) revealed that homes with unpermitted additions typically sell for 8–12% less than comparable permitted properties due to buyer skepticism and potential legal liabilities. Retroactive permitting can also incur fees averaging $5,000–$20,000, depending on the jurisdiction. Proactive verification safeguards the buyer’s investment, ensures compliance with local laws, and mitigates long-term financial and legal risks.