Now mind you i'm a homeowner as well, and a man

, but as a contractor who tries to do everything by the book so as not to lose my licsence, and dealing with the non permitted aftermath almost daily, this is why the next homeowner gets screwed and ends up paying to have a previous idiots "solution" fixed properly. Too many, and i mean waaaay tooo many people "think" they know since grandpa/dad/uncle has always done something this way or that...well let me be the first to say, in almost every case, grandpa/dad/uncle were the reason we now have building codes...learning by past mistakes and putting forth avenues to ensure this does'nt happen again in the future and cause problem that lead to small problems like leaks to major problems resulting in death.
I know plenty of people even today that do the exact same thing, but now our city has found a great way to screw them back....and creates more work for guys in my trade. Now, when the homeowner goes to sell a home, they're doing checks to see condition of house-when the homeowner who is now selling bought the place. Then they look at the new apprasial and take key note of "new" and "upgraded" items, they will then get into the puter and see if permits were pulled for said upgraded/replaced items....guess what happens when they dont match up...your gunna love it, esspecially since in the grand scheme of things other cities look around for examples and eventually adopt similar rules...tiz why our code is so very strict on EVERYTHING
First- they come to the house with a big red tag/sticker posted on the front door deeming the residence inhabitable and in fine print tell you what legal ramifications will be held against you should you ignore the sticker preventing you from going in your house...they have filed legal charges. They give you contact information to call them so they can explain the next steps to getting it resolved. So they call the city to find out what it's all about and why, city explains no permits were pulled for remodeled bathroom, finished basement, remodeled kitchen and premissis is at high risk since structurally or electrically it could hurt/kill somebody, so we need to schedule a date to meet at the residence to get in and open up walls to check elements of your improvments.
Second-they make the homeowner contact a contractor, since the homeowner painted themselves into a corner already by not doing the work legally they have them by the ballz so to speak. So HO calls a contractor who enters the premisses with insector/s and starts literally tearing the place apart, pulling down light fixtures, pulling down scetions of wall board to expose/show electrical/plumbing routes etc...basically ramsack the home to be sure everything is in order. If everything checks out, okay, they pull the sticker off the front door, tell HO to come down and pay for buidling permits based on said work that was done and averaged value, and then doubles the permit cost as the fine. then says after the HO picks up the permit, thank you, now you can put your house back together. HO's are not allowed to do electrical/plumbing here so as long as those two aspects pass, the HO can redo the astetics things. BUT if structural, electrical, plumbing is at fault the shoe horn the HO to hire out those aspects...this is where we come back in again to make it all right.
OR
if they're feeling nice, they will say okay fine, we wont tear the place apart-literally-BUT, any improvements you made CANNOT be put towards the upgraded/new appraised value of the home..so that $20K new kitchen...does'nt count, they use the value of original kitchen that house came with when bought initally. That $50K basement remodel...is now just a basement in similar state of inital purchase, same with roof, windows, doors, electrical upgrades, etc...then they pass that along to the appraisal company who notes this is a seperate form for closing time, and then typically the person selling the home loses a ton of money because the potential new buyer works it so they have a bunch of money put into esgrow since now they will be responsible for making sure these things are in order prior to them being able to take possession/move in.