A certificate of occupancy (CO) is the building department’s confirmation that a structure has completed all required inspections, all corrections have been resolved, and the construction complies with the permitted drawings and applicable codes. It is the legal authorization for occupancy. In Utah, a CO matters because: occupancy of a new structure without a CO is legally prohibited; insurance carriers may deny claims related to structures occupied without a valid CO; Utah real estate disclosure laws require disclosure of unpermitted improvements at sale; lenders typically require a CO for new construction closing; and retroactive compliance after occupancy is significantly more expensive than proper inspection management during construction. RainFire Builders obtains a CO on every project that requires one and delivers it to the client at closeout.