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Old 08-17-2009, 07:22 AM
 
Location: Long Island, NY
302 posts, read 923,352 times
Reputation: 92

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HI all, I just went into contract on a house in L.I. N.Y and the house has a screened enclosure with a concrete slab floor, it's attached to the house and about 15X15. My issue is that there is no CO and the homeowner said she will not take it down nor will she get a CO.

WE were told it's a 50/50 shot that the appraiser/bank will want us to either get a CO or remove it. So we covered ourselves by writing into the contract that we can come there and remove it if it is a problem. What do you guys think? Anyone have any first hand experience?

Oh by the way, the bank said if it was a "normal loan" they would almost always overlook this, but because its FHA it really could go either way.

Thanks
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Old 08-17-2009, 07:00 PM
 
Location: OK
2,805 posts, read 7,185,770 times
Reputation: 2018
What is a CO?
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Old 08-17-2009, 07:46 PM
 
Location: On the Chesapeake
40,927 posts, read 53,119,822 times
Reputation: 54811
Quote:
Originally Posted by Schousse View Post
What is a CO?
Certificate of Occupancy, issued when a structure has been permitted and passed the necessary inspections.
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Old 08-18-2009, 04:16 AM
 
Location: OK
2,805 posts, read 7,185,770 times
Reputation: 2018
Quote:
Originally Posted by North Beach Person View Post
Certificate of Occupancy, issued when a structure has been permitted and passed the necessary inspections.
Of course As a person living in the oilpatch of OK where there are no such things I had a momentary brain-you-know-what.

Somebody ought to explain to the seller that without a CO or without removing the porch she may not be able to sell the house.
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Old 08-18-2009, 12:58 PM
 
Location: My Private Island
4,940 posts, read 8,002,379 times
Reputation: 12280
If no CO was issued then a builder permit was never applied for and the structure is illegal according to the building code and city ordinances. You can get into some tricky situations with your insurance also. Let's just say for example the roof of the screened porch fell on someone and injured them, during the investigation, if the insurance company finds out the screened porch was added illegally, they may not pay the claim.

It is best to have it removed or brought to code ie...get a CO at the seller's expense.
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Old 08-18-2009, 01:43 PM
 
28,460 posts, read 80,784,868 times
Reputation: 18656
If this is an area where snow could have long along collapsed an improperly built structure (and it sounds like it is...) then I would feel differently then if this were someplace where a "screen enclosure" was living on borrowed time.

Depending on local ordinance and custom there may not be a need to get permits and final inspection / certificate of occupancy on a "portable or temporary structure designed for occasional use only". If there are no obvious areas of code violation (like electrical or gas fired permanently installed heaters and/or ties to the main structure's systems) I would not loose too much sleep over this.
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