Posted on July 14, 2011.
I'm in the process of buying a foreclosure home (Saratoga, CA, can not transfer the Insurance sincere Already it has lapsed) That has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft) , The Main aussi home has a garage-converted unpermitted That Is Used as a in law quarter (Separate entrance and full bathroom), it has a unpermitted sun aussi room too. I really love the home and looking for home insurance Tried But It Looks Like No One Will Insure me. Is There Anyway I Can Get Insured for this property to bind Without HAVING thesis about unpermitted additions to the Insurance company? Any advice Would Be Appreciated and "any suggestions Would Which insurance company insure me for a reasonable price. Thank you in advance.
Maurice Desposito says...
I think you should go to the local building department (city or county) and apply for as built permits for these unpermitted structures.Although costly, it's better than Code Enforcement coming by, realizing that those additions/properties are unpermitted and going to court, seeking an injunction to have you (1) obtain as-built permits or (2) having them torn down.
It is more expensive to have Code Enforcement come in and seek relief from the courts (assuming you don't comply and apply for as built permits) because you may have to pay their attorneys' fees when they win.
I believe you apply for as built permits from the Building Department in the city.Make sure you're in the incorporated portion of the city, otherwise you'll have to go to the County Building Department.
Also, if the bank didn't know that these additions were unpermitted, you wouldn't have an recourse.Most foreclosures are sold as is and requires buyer's diligence.A title insurance policy may or may not disclose unpermitted additions (depends on the wording of the policy).As I recall, a title insurance policy only guarantees that you have marketable title to the property.
Posted on July 16, 2011
