"J. Clarke" wrote:

Believe what you want to. Permit required, no permit pulled,
inspection required, no inspection performed, insurance company says
"sorry, your fault".

I keep hearing this, but I've been over my homeowner's policy (Texas HO-B)
pretty carefully and can't find a clause that lets them deny a claim based on
permitting and/or inspection. Do you have a reference for this?
Thanks,
Doug