How to Handle a Code Violation in the Middle of Your Renovation

A code violation is a major roadblock when renovating an older home. It may not seem fair that you're stuck repairing a mistake someone else made years ago, but as the new owner, it's your responsibility. Here's a quick guide on how to handle violations.

Can You Ignore a Code Violation? 

No, because code violations are a health and safety issue. There's a reason why today's building codes exist. They protect your property and family by minimizing physical dangers present in your home. 

Ignoring these codes could cause a devastating fire or flood that destroys your home and risks the lives of your family. 

Not to mention, no respectable contractor will overlook a code violation. 

If something goes wrong later on, they could get in serious trouble for ignoring these violations. Not only could they be liable for any damages, but the news could also ruin their reputation as a reputable contracting company. 

What if You Can't Afford These Repairs?

If it's a relatively minor issue, you can put your renovations on hold until you scrounge up the extra money to take on this unexpected work. This delay is annoying, but it's the simplest way for your finances. 

Unfortunately, an emergency involving your electrical or plumbing system means you can't postpone these repairs. Your family's safety is on the line. More still, it could be a term of your home insurance that you replace unsafe materials to retain your coverage.

If you're stuck with urgent repairs that aren't covered by your renovations savings, consider taking out an online personal loan or line of credit. These emergency loans are conveniently available online with quick applications that are easy to fill out, even under pressure.

To learn what you need to qualify, you can find out how to get an emergency loan online. It's a good idea to compare your lenders, rates, and conditions before you apply to ensure you can handle its monthly payments. 

Common Code Violations in Older Homes

You'll notice some code violations as soon as you buy your house, like a handrailing that doesn't meet the required height on your stairs. 

This example with the stairs is one of the few times you don't have to rehab code immediately. Old stairs are covered by a legacy or grandfather clause, which applies to any feature in your home that doesn't meet current building codes. 

As long as it doesn't pose an immediate health and safety risk, it can remain non-compliant to current code until you start to renovate. 

But other violations are hidden behind walls and underneath flooring, invisible to the eye until you start renovating. So you go ahead with your plans. Next thing you know, your contractors have halted work and your budget doubles.

Here are some of the most common code violations found in older homes:

• Knob and tube wiring

• Incorrect electrical outlets and placements near water sources

• Lead or galvanized pipes

• Asbestos insulation

• Gaps in floor trusses

• Narrow, steep staircases 

• Decks that don't connect to the house

Be Prepared

While it's not 100% guaranteed you'll run into old code during a renovation, older homes are more likely to contain surprises than newer builds. Keep this in mind if you're planning on renovating any time soon. You can be better prepared by adding an emergency cushion to your savings to offset any potential old code problems in the future.