Normal
We have requirements regarding electrical installations and plumbing, which must be performed to the applicable code (usually by state or national association). Failure to comply with these results in exactly the same insurance liability you describe. However, the work CAN be performed by anyone, but must be inspected before you can get an "occupancy permit." When doing a remodel, a lot of people will do it without the inspections, but then run the risks if there is flooding, fire, etc.That said, the "waterproofing" isn't required, although if you don't use the proper products (such as waterproof plasterboard), you'll be inviting trouble. We generally are unlimited in our choices of products, with only placement and type of electrical outlets, switches, etc. prescribed to any degree.
We have requirements regarding electrical installations and plumbing, which must be performed to the applicable code (usually by state or national association). Failure to comply with these results in exactly the same insurance liability you describe. However, the work CAN be performed by anyone, but must be inspected before you can get an "occupancy permit." When doing a remodel, a lot of people will do it without the inspections, but then run the risks if there is flooding, fire, etc.
That said, the "waterproofing" isn't required, although if you don't use the proper products (such as waterproof plasterboard), you'll be inviting trouble. We generally are unlimited in our choices of products, with only placement and type of electrical outlets, switches, etc. prescribed to any degree.
