The requirements for a building permit vary based on the project size, scope, and complexity. For most residential new home and addition projects, you will need a set of construction documents and a building permit application, usually available on county websites. Once the application is completed and submitted to the county along with the construction documentation, the county will conduct a review process. This typically includes an intake review, zoning review, plan review, and a health department review (for properties with private wells and septic systems) before approving the building permit.
Regarding who should apply for a building permit, both homeowners and contractors can do so. However, we recommend that homeowners let the contractor handle the permit application. Homeowners who live in the residence can apply for a building permit in their name, but this approach comes with significant responsibilities and potential liabilities. Homeowners who apply for the permit essentially take on the role of the general contractor, responsible for interacting with subcontractors, scheduling inspections, dealing with county officials, and managing other tasks typically handled by a professional contractor. This can be overwhelming and risky without proper experience.
If a general contractor suggests that the homeowner apply for the permit to offer a lower bid, the homeowner should be cautious. While this may seem like a cost-saving measure, it can lead to significant issues and unexpected costs. We have seen firsthand how costly this can be despite the contractor offering a lower bid.
Kapital recommends that the general contractor apply for the permit in their company's name using their company's MHIC (Maryland Home Improvement Commission) or builder's license number. This ensures that the project is properly insured and that the contractor is liable for any issues that arise, providing peace of mind and protection for the homeowner.