Significant and long-lasting consequences: Utah real estate disclosure law (UAC R162-2f-402g) requires sellers to disclose unpermitted construction; buyers may require remediation or price reduction; title companies flag open permits as title exceptions; lenders may deny final construction loan disbursement without a CO; insurance carriers may exclude claims related to unpermitted work; and municipalities may require demolition of unpermitted structures or prohibit occupancy until retroactive compliance is achieved. Retroactive compliance is far more expensive than original compliance — inspecting finished work typically requires opening walls, additional testing, or engineer certification of concealed construction. RainFire Builders never leaves a project without a completed permit record and a filed certificate of occupancy. The cost and time of proper inspection management during construction is a small fraction of the retroactive compliance cost after the project is complete.