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My partner and I are looking to buy a renovated brownstone in Bed Stuy. We have an accepted offer, but the home inspector says the plumbing and electrical were done with out permits, and from what he can see was not done professionally and possibly not to code.

I think that most of the bed stuy renos that we have seen and will see have been done without permits and probably not to code. Since the walls will be hiding most of the work there is no way to know.

I have a few questions. Is anyone familiar with renovations for sale in the area and should I always expect the home inspector to say the plumbing and wiring are not professional? What is the risk in buying a building that did not have permits pulled. A complete renovation. Could my homeowners insurance refuse to pay in case of fire or flood from the wiring or pipes?

Feel free to tell me your reno purchase experiences. Thanks!