{"id":1636,"date":"2026-02-24T14:58:27","date_gmt":"2026-02-24T14:58:27","guid":{"rendered":"https:\/\/solutionsrenovationquebec.ca\/?p=1636"},"modified":"2026-03-09T00:54:37","modified_gmt":"2026-03-09T00:54:37","slug":"renovation-without-a-permit-in-charny-risks-for-homeowners","status":"publish","type":"post","link":"https:\/\/solutionsrenovationquebec.ca\/en\/renovation-sans-permis-a-charny-quels-risques-pour-les-proprietaires\/","title":{"rendered":"Renovating without a permit in Charny: what are the risks for homeowners?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/family-renovation-how-we-kept-an-eye-on-the-work-in-charny\/\">You live in Charny and plan to renovate your kitchen,<\/a> expand your patio, or finish your basement. Someone probably told you, \u00abWhy get a permit? No one's going to come and check.\u00bb Or maybe you figure that for small jobs, it's not really necessary.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It's a thought that many homeowners in Charny and elsewhere in L\u00e9vis have had. Municipal delays seem long, forms complicated, and permit fees add a few hundred dollars to the budget.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But here's what most people don't realize: renovating without a permit when required isn't just an administrative offence. It's a legal, financial and even criminal risk that can cost you tens of thousands of dollars.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Municipal fines that pile up day after day, home insurance that refuses to cover a claim, problems when reselling your home, having to undo and redo work - the consequences are real and well-documented.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Charny, with a housing stock that includes many 40-, 50- and 60-year-old houses, renovations are frequent. But that doesn't mean you can do just anything any old how.<\/span><\/p>\n<h2><b>Why so many renovations in Charny are done without permits<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Charny, like many parts of L\u00e9vis, is experiencing a period of intense growth and renovation. Older homes are being modernized, basements finished and kitchens remodeled.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But despite the increase in municipal controls and inspections, many homeowners continue to renovate without permits. But why?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Often, it's ignorance. People sincerely believe that their project doesn't require a permit. Sometimes it's to avoid delays or costs. And sometimes it's because the contractor told them it wasn't necessary.<\/span><\/p>\n<h3><b>\u00abSmall jobs\u00bb: a poorly understood grey area<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many homeowners think that \u00abodd jobs\u00bb don't require a permit. But what exactly is a small job?<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/services\/kitchen-renovation\/\">Repaint your walls, change your kitchen cabinets without touching the plumbing or electricity,<\/a> <a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/services\/floor-installation\/\">installing a new floor on an existing structure<\/a> - This is cosmetic work that generally doesn't require a permit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But as soon as you touch the structure, plumbing, electrical or heating systems, or modify the building's exterior envelope, you almost always need a permit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some examples of work that ALWAYS requires a permit in L\u00e9vis:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extend your home or add a storey<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Build or extend a garage, shed or garden shed of more than 15 square metres.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Modifying a load-bearing wall or roof structure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Digging or modifying your foundations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Add or modify a window or door on an exterior wall<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Redo your exterior siding (in some cases)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Installing an in-ground pool or permanent spa<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make major changes to your plumbing or electrical system<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Even jobs that seem minor-like finishing your basement-require a permit because they involve electricity, plumbing and sometimes structural modifications.<\/span><\/p>\n<h3><b>The local context in L\u00e9vis and Charny<\/b><\/h3>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/areas\/levis\/\">In L\u00e9vis, including Charny, municipal controls have intensified in recent years.<\/a> The city has hired more inspectors, and now uses tools like Google Street View and satellite images to detect undeclared construction.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Neighbors are also more likely to report work that doesn't seem to be up to standard, especially when it causes a nuisance (noise, dust, truck parking).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Charny is home to many houses built between 1960 and 1990. These homes are often renovated and extended. But much of this work is carried out without permits, either out of ignorance or on purpose.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The City of L\u00e9vis has also introduced temporary moratoria on certain types of development in certain sectors. These moratoria are intended to control densification and protect municipal infrastructures. But they also create confusion among homeowners, who feel that any renovation is blocked.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In reality, moratoria generally affect new developments and subdivisions, not conforming interior renovations.<\/span><\/p>\n<h2><b>Legal risks: fines, work stoppage and demolition<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Renovating without a permit when it's required isn't just an administrative error. <a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/areas\/quebec\/\">It's a violation of municipal by-laws and sometimes even the Quebec Construction Code.<\/a><\/span><\/p>\n<p><span style=\"font-weight: 400;\">The consequences can be severe and costly.<\/span><\/p>\n<h3><b>Municipal fines and ongoing offences<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If a municipal inspector discovers you're doing work without a permit, he or she can issue a notice of infraction and a stop-work order.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fines vary according to the seriousness of the offence and the municipality, but in L\u00e9vis they can easily reach 1,000 $ to 2,000 $ for a first offence.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Worst of all, some offences are considered \u00abongoing\u00bb. This means that until the situation is corrected, the fine accumulates day after day. If you continue to renovate despite the stop order, or if you refuse to regularize the situation, the fines can climb to 10,000 $, 20,000 $, sometimes more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The stop-work order is immediate and mandatory. You must stop immediately. If you continue despite the order, you are committing a new offence which may lead to criminal prosecution.<\/span><\/p>\n<h3><b>Work carried out without an RBQ license: a penal risk<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If your work requires not only a municipal permit, but also an RBQ-licensed contractor, and you do it yourself or hire someone without a license, you're in violation of Quebec's Building Act.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fines for working without an RBQ license are much higher than municipal fines. For an individual, they range from 5,184 $ to 129,600 $, depending on severity and recidivism.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But here's something a lot of homeowners don't know: if you hire an unlicensed contractor to do work that requires an RBQ license, YOU, the homeowner, can be held responsible too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The RBQ can sue both the contractor and the owner. You can't defend yourself by saying \u00abI didn't know he didn't have a license\u00bb. It's your responsibility to check.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Checking an RBQ license is free and takes just two minutes on the rbq.gouv.qc.ca website. There's no excuse for not doing it.<\/span><\/p>\n<h3><b>When the city can demand demolition<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In extreme cases - for example, a major extension built without a permit and not in compliance with the Building Code - the City may require complete demolition of the work at your expense.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It doesn't happen often, but it does happen. We've seen cases in Quebec where owners have had to demolish 20,000 $, 30,000 $, 50,000 $ expansions because they were built without permits and couldn't be brought up to standard.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Imagine investing 40,000 $ in an extension, only to have to pay another 15,000 $ to demolish it. It's a total loss.<\/span><\/p>\n<p><b>Find out if your work requires a permit before you start - free consultation<\/b><b><br \/>\n<\/b><a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/contact\/\"> <b>Call Solutions R\u00e9novation Qu\u00e9bec - 418-476-1747<\/b><\/a><\/p>\n<h2><b>Home insurance and renovation without a permit: the major pitfall<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Here's probably the most underestimated risk of renovating without a permit: your home insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most home insurance policies contain a clause requiring that all major work be carried out in compliance with current laws and regulations. This includes municipal permits and RBQ licenses.<\/span><\/p>\n<h3><b>Refused claims: a frequent scenario<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Imagine this scenario: you finish your basement without a permit. A few months later, an electrical problem causes a fire. Or a plumbing leak causes major water damage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your insurer sends an expert to assess the damage. This expert discovers that the work was done without a permit, and probably without respecting the Building Code.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At that point, your insurer may refuse to cover the damage. Not just the damage to the basement you've renovated, but potentially all the damage caused by the loss, including damage to the rest of the house.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You end up with a bill of 30,000 $, 50,000 $, sometimes 100,000 $ or more that you have to pay out of pocket.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even worse: if the insurer discovers that you've made major renovations without informing them, they can cancel your policy altogether. You lose all coverage, and you'll have a hard time getting insurance elsewhere.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurers share information with each other. If you've been declined or your policy has been cancelled, other insurers will know.<\/span><\/p>\n<h3><b>Why insurers investigate after the fact<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many homeowners think, \u00abMy insurer doesn't know I renovated without a permit, so there's no problem.\u00bb<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That is, until a claim is made. At that point, the insurer investigates. It looks at the photos of the loss, sends out an expert and checks with the city to see if any permits have been issued.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the surveyor sees a brand-new kitchen that's burned down, or a finished basement that's flooded, he'll ask: \u00abWas this work declared to the insurer? Was there a permit?\u00bb<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the answer is no, you've got a problem.<\/span><\/p>\n<h2><b>Resale of a property in Charny: hidden defects can be costly<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Even if you manage to renovate without a permit and never have a claim, you'll probably be caught out eventually. How do you get caught? When you sell your house.<\/span><\/p>\n<h3><b>Seller's declaration and legal risks<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In Quebec, when you sell your home, you must fill out a Seller's Declaration. This legal document asks you to disclose everything you know about the condition of your property, including any renovations that have been carried out.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You must declare whether the work was carried out with or without a permit, and if so, provide the permit numbers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you lie or deliberately omit this information, and the buyer discovers the truth after the purchase, he can sue you for latent defect. Even years after the sale.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The buyer's inspector will check with the city to see if any permits have been issued for visible work. If you say your kitchen was redone in 2020 but there are no permits registered, that raises a red flag.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The buyer can then:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Demand that you obtain a retroactive permit (if possible)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Request a reduction in the sale price to cover compliance costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Withdraw completely from the transaction<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Or buy anyway, but sue you afterwards if problems arise<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Legal action for latent defects can be very costly. If the unpermitted work has caused structural, moisture or safety problems, you could be forced to pay to undo and redo everything properly. We're easily talking 20,000 $, 30,000 $, 50,000 $ or more.<\/span><\/p>\n<h3><b>Real impact on home value<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Even if the buyer agrees to buy your house despite the unpermitted work, this will affect the price.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Financial institutions are becoming increasingly strict. If the appraiser or inspector reports major work without a permit, the bank may refuse to finance the purchase or demand a reduction in the loan amount.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In our experience and that of other real estate professionals, unpermitted work can reduce the sale value of a house by 5 to 15 % (reasonable estimate). On a 400,000 $ house, this represents a loss of 20,000 $ to 60,000 $.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That's a lot more than you would have paid in license fees and extra costs to get it right the first time.<\/span><\/p>\n<h2><b>Charny's climate: why non-compliance exacerbates risks<\/b><\/h2>\n<p><a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/family-renovation-how-we-kept-an-eye-on-the-work-in-charny\/\"><span style=\"font-weight: 400;\">In Charny and elsewhere in L\u00e9vis, our harsh climate amplifies all the problems associated with poorly done or substandard work.<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Freeze-thaw cycles, high humidity, extreme temperature variations - all these put your home to the test and quickly expose construction defects.<\/span><\/p>\n<h3><b>Humidity, ventilation and mould<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A finished basement without a permit often means a finished basement without adequate ventilation, proper waterproofing or compliance with building code standards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The result: excessive humidity, condensation in the walls, and mold growing behind the gypsum.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In our Quebec climate, the risk of developing mold in a renovated space without compliance increases by more than 30 % compared to a compliant space (reasonable estimate based on humidity studies and our field experience).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mold isn't just an aesthetic problem. It's a health risk for your family-allergies, asthma, respiratory problems-and it's also a structural problem that can weaken lumber.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Decontaminating and correcting a mold problem caused by poor ventilation can cost between 5,000 $ and 15,000 $, depending on the extent of the damage.<\/span><\/p>\n<h3><b>Waterproofing and structure: invisible errors<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Unlicensed additions or structural modifications are rarely inspected by a qualified professional. Errors in waterproofing, roof pitch or structural support go unnoticed until a problem arises.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In our climate, a waterproofing error on a roof or exterior wall will quickly lead to water infiltration. Water freezes, thaws, seeps deeper, causes rotten wood and structural damage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Correcting these problems often requires tearing down everything - siding, insulation, structure - and redoing it all properly. Costs easily exceed 20,000 $ to 40,000 $.<\/span><\/p>\n<h2><b>Myths vs. facts about renovation without a permit<\/b><\/h2>\n<h3><b>\u00abNobody checks inside\u00bb.\u00bb<\/b><\/h3>\n<p><b>Reality:<\/b><span style=\"font-weight: 400;\"> Municipal inspectors have no right to enter your home without your consent or a warrant. But they can check from the outside, and they regularly receive reports from neighbors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What's more, in the event of a claim, the insurance adjuster will inspect the interior. And at the time of sale, the buyer's inspector will check everything.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can't hide forever.<\/span><\/p>\n<h3><b>\u00abDIY avoids permits\u00bb<\/b><\/h3>\n<p><b>Reality:<\/b><span style=\"font-weight: 400;\"> Doing the work yourself doesn't change the need for a permit. If the project requires a permit with a contractor, it also requires one with DIY.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What's more, many types of work - plumbing, electrical, structural - require a license. <a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/renovate-your-bathroom-yourself-or-hire-a-rbq-pro-in-levis\/\">RBQ<\/a> even if you make them in your own home.<\/span><\/p>\n<h3><b>\u00abIt makes no difference to resale\u00bb.\u00bb<\/b><\/h3>\n<p><b>Reality:<\/b><span style=\"font-weight: 400;\"> Legally, you have to declare the unauthorized work. If you don't, and the buyer discovers the truth, you can be sued for latent defect.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even if the buyer accepts the situation, this will affect the sale price and potentially the financing.<\/span><\/p>\n<h2><b>How Solutions R\u00e9novation Qu\u00e9bec secures your renovations in Charny<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you're planning to renovate in Charny, you want the work to be done properly, according to the laws and regulations, and sustainably.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Solutions R\u00e9novation Qu\u00e9bec, we manage every aspect of your project, including permits and compliance.<\/span><\/p>\n<h3><b>Complete permit management + RBQ compliance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Our RBQ license (5811-7821-01) allows us to coordinate all aspects of your renovation project.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here's how we manage permits and compliance:<\/span><\/p>\n<p><b>Verification of requirements:<\/b><span style=\"font-weight: 400;\"> As soon as we discuss your project, we check whether a municipal permit is required. We'll tell you clearly yes or no, and why.<\/span><\/p>\n<p><b>Permit application:<\/b><span style=\"font-weight: 400;\"> If you need a permit, we'll take care of it for you. We prepare the required plans and documents, submit them to the city, and follow the file through to approval.<\/span><\/p>\n<p><b>Coordination with the City:<\/b><span style=\"font-weight: 400;\"> We know the City of L\u00e9vis inspectors. We know what they check, what they require, and how to present projects to avoid refusals or delays.<\/span><\/p>\n<p><b>Compliance with the Building Code:<\/b><span style=\"font-weight: 400;\"> All our work complies with the Quebec Construction Code. Plumbing, electricity, structure, insulation, ventilation - everything is done to current standards.<\/span><\/p>\n<p><b>Qualified subcontractors:<\/b><span style=\"font-weight: 400;\"> We only work with RBQ-licensed plumbers and electricians. No shortcuts, no moonlighting.<\/span><\/p>\n<p><b>Full documentation:<\/b><span style=\"font-weight: 400;\"> At the end of the project, you receive all the necessary documents: approved permits, certificates of conformity, detailed invoices. Everything is in order for your insurance and any resale.<\/span><\/p>\n<h3><b>Durable work adapted to the L\u00e9vis climate<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">We know the challenges <a href=\"https:\/\/planificateur.a-contresens.net\/amerique_du_nord\/canada\/quebec\/levis\/6325521.html\">climate of Charny and L\u00e9vis<\/a>. We adapt our methods so that your renovations last 20, 30, 40 years, not just 5.<\/span><\/p>\n<p><b>Waterproofing and ventilation:<\/b><span style=\"font-weight: 400;\"> Compliant ventilation systems are always installed in basements, crawl spaces, etc. <a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/services\/bathroom-renovation\/\">bathrooms<\/a>, <a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/services\/kitchen-renovation\/\">and kitchens<\/a>. We make sure that exterior walls and roofs are watertight.<\/span><\/p>\n<p><b>Climate-adapted materials:<\/b><span style=\"font-weight: 400;\"> We use materials that resist freeze-thaw cycles, humidity and thermal variations. No shortcuts with cheap products that will break after a few winters.<\/span><\/p>\n<p><b>Insulation and vapour barrier:<\/b><span style=\"font-weight: 400;\"> Insulation standards are respected, and vapour barriers are installed in the right place, on the right side. A mistake in this area can cause tens of thousands of dollars in long-term damage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We offer a 5-year warranty on our workmanship. If a problem arises as a result of our work, we'll come and fix it free of charge.<\/span><\/p>\n<p><b>Renovate without stress or unpleasant surprises - free, compliant quotation<\/b><b><br \/>\n<\/b><a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/contact\/\"> <b>Call Solutions R\u00e9novation Qu\u00e9bec - 418-476-1747<\/b><\/a><\/p>\n<h2><b>FAQ: Renovation and permits in Charny<\/b><\/h2>\n<h3><b>What work requires a permit in L\u00e9vis?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Any work that significantly alters the structure, exterior envelope, plumbing or electricity. Extensions, modifications to load-bearing walls, new windows or doors, basement finishing, in-ground pools - all require a permit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If in doubt, call the City of L\u00e9vis Urban Planning Department or consult an RBQ contractor.<\/span><\/p>\n<h3><b>Can I regularize work that has already been done?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Sometimes yes, but it's complicated and often costs more than if you'd obtained your license first.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You have to submit plans after the fact, pay retroactive permit fees, and sometimes open up sections for inspection. If the work doesn't conform, you must correct it.<\/span><\/p>\n<h3><b>Is the moratorium blocking interior renovations?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">No. Municipal moratoria generally affect new developments and subdivisions, not conforming interior renovations on existing properties.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you're in a moratorium area, check with the city to find out exactly what is allowed.<\/span><\/p>\n<h3><b>Who pays the fine: the owner or the contractor?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Both can be held liable. The city can fine the homeowner for work done without a permit, and the RBQ can prosecute the contractor AND the homeowner for work done without a license.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That's why you should always check that your contractor has a valid RBQ license.<\/span><\/p>\n<h3><b>How do I verify an RBQ license?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Go to rbq.gouv.qc.ca and enter the contractor's license number. You'll see if the license is valid, in what category, and if there are any complaints or sanctions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our SRQ license is 5811-7821-01 - residential general contractor.<\/span><\/p>\n<h2><b>Conclusion: in Charny, renovating without a permit almost always costs more.<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The few hundred dollars you save by avoiding permit fees can easily become tens of thousands of dollars in fines, corrections, insurance problems, or loss of value upon resale.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Renovating correctly from the outset - with the required permits, by RBQ-licensed contractors, according to the Construction Code - is always the safest and most economical option in the long run.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Charny and elsewhere in L\u00e9vis, municipal controls are stricter than before. Insurers investigate more rigorously. Buyers are better informed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The risk of getting caught and suffering the consequences increases every year.<\/span><\/p>\n<p><b>Before you begin, validate your project with a local RBQ contractor who is familiar with the regulations.<\/b><b><br \/>\n<\/b><a href=\"https:\/\/solutionsrenovationquebec.ca\/en\/contact\/\"><b>Free consultation with SRQ - 418-476-1747<\/b><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Solutions R\u00e9novation Qu\u00e9bec<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">2552 chemin du Fleuve, L\u00e9vis (Qu\u00e9bec) G6W 1Y3<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">RBQ 5811-7821-01 | 5-year labour warranty<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Tu habites \u00e0 Charny et tu pr\u00e9vois r\u00e9nover ta cuisine, agrandir ton patio, ou finir ton sous-sol. Quelqu&rsquo;un t&rsquo;a probablement dit: \u00ab\u00a0Pourquoi prendre un permis? Personne va venir v\u00e9rifier.\u00a0\u00bb Ou peut-\u00eatre que tu te dis que pour de petits travaux, c&rsquo;est pas vraiment n\u00e9cessaire. C&rsquo;est une pens\u00e9e que beaucoup de propri\u00e9taires \u00e0 Charny et ailleurs [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1636","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u00e9novation sans permis \u00e0 Charny : risques, amendes et assurance<\/title>\n<meta name=\"description\" content=\"R\u00e9nover \u00e0 Charny ou L\u00e9vis sans permis municipal ou entrepreneur RBQ licenci\u00e9 peut co\u00fbter tr\u00e8s cher : amendes municipales jusqu\u2019\u00e0 20 000\u202f$, refus de couverture d\u2019assurance habitation, obligation de d\u00e9molir des travaux non conformes, vices cach\u00e9s lors de la revente et sanctions p\u00e9nales. 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D\u00e9couvrez quels travaux exigent un permis, comment v\u00e9rifier une licence RBQ, et comment Solutions R\u00e9novation Qu\u00e9bec s\u00e9curise vos r\u00e9novations avec permis, conformit\u00e9 RBQ, adaptation au climat local, ventilation, isolation et mat\u00e9riaux durables. 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