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Building permits are required, in most areas, for the construction of any new structure. Local building codes are the rules which determine how those permits are issued. Don't make the mistake of forgetting to obtain a building permit. Not only will most contractors refuse to work without a permit, but if they do, you could be setting yourself up for some costly headaches down the road. A structure which has been built without the proper building permits can result in heavy fines for the owner, and the city has the option, in many cases, of requiring that you either tear the structure down or make big changes in order to meet code. In addition, your insurance company may refuse to cover any structure which was built without a permit.