Hi Fishes, need some advice.

First time home-buyer under contract in FL. Seller claims roof was replaced in 2016, however there were no permits. Inspector said the roof looks to be between 8-10. He also said it’s got a minimum life of 8 years max of 15.

1) What issues should I expect to face in future by having a non-permitted roof?
2) Aside from having the seller replace it what else can I do to protect myself
3) Who I reach out to for the best answer? (Insurance providers, City officials)?

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I am not sure of FL, but in NY, you don’t need a permit to replace a roof. Ask for some proof the roof was replaced, an invoice or something?

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Thank you, yes we have requested that from the seller. Also, agreed I read the same for most states not requiring permits, but Florida has gotten stricter with insurance companies pulling out

2016 was 8 years ago. Inspector report supports seller. No permits are required for a roof.

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So I know most states don’t require permits, but Florida market has been crazy with insurers pulling out of the state and being stricter with requirements. Just curious if your experience has been with Florida or a different state?

Roof last 20 years so contemplate that as part of your DD. No permits are required to change Roof and very unlikely job was not done correctly. You should have issues by now already

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The roof wouldn’t need a permit. The problem on this market is if you push back on the seller they have no incentive to work with you because so many people are looking and there is so little on the market- someone will buy it .

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