08/18/2025
I've done thousands of inspections since 2007 and I have run into many cases where the seller has had work done on their property where the contractor had not pulled a permit.
In Cape Coral, FL, doing work without the required permit can lead to several problems—both immediate and long-term. Here’s what typically happens:
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🔹 Immediate Consequences
1. Stop Work Order – If Code Enforcement or the Building Division discovers unpermitted work, they can issue a Stop Work Order. Work must halt until a permit is obtained.
2. Fines & Penalties – The City may issue fines for each day the violation continues. Cape Coral’s Code Compliance can assess civil penalties, and the Building Division can charge double or triple permit fees when a permit is pulled after the fact.
3. Code Enforcement Case – If not corrected, the case can escalate to the Code Enforcement Board, where additional fines and liens may be imposed.
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🔹 Corrective Actions Required
• The owner (or contractor) must apply for an “after-the-fact” permit.
• Plans, inspections, and approvals are still required—even if the work is finished.
• If the work doesn’t meet code, it may need to be modified or even torn out and redone.
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🔹 Long-Term Problems
• Difficulty Selling the Property – Title companies, appraisers, and buyers often check for open or expired permits. Unpermitted work can delay or derail a sale.
• Insurance Issues – If damage occurs, your homeowner’s insurance may deny claims for unpermitted work.
• City Liens – If fines aren’t paid, Cape Coral can place a lien on the property, potentially leading to foreclosure in extreme cases.
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✅ What To Do if You Have Unpermitted Work
1. Contact the Cape Coral Building Division (239-574-0546) to ask about an “after-the-fact” permit.
2. Hire a licensed contractor if plans, inspections, or engineering approvals are required.
3. Bring everything up to code to avoid future fines or sale complications.
