Blog | Ayr Farmers Mutual | Did You Know: Common Building Code Mistakes to Avoid During Your Next Reno

Any season can be reno season, but for most Ontarians, there seems to be an itch to make indoor renovations happen during the fall, winter and early spring. Whether you're finishing a basement or building a new deck, it pays to know the rules before you pick up the hammer.

To help keep your reno on track and your coverage intact, here are ten common building code pitfalls to watch for, and how to avoid them.

DIY Electrical Work Can Void Your Insurance and Risk Safety

Hold onto your hats – and your patio furniture. High winds can turn unsecured objects into dangerous projectiles. Before bad weather strikes, make sure to:

Store or anchor patio furniture, grills, and decorations.
Secure trash bins, garden tools, and lightweight equipment.
Bring hanging plants or potted items indoors.

AFM Tip: If it’s more than changing a lightbulb, it’s best to call a licensed electrician. They’ll make sure everything’s safe, up to code, and done right.

Removing Structural Walls Without Permits Can Compromise Your Home

That wall you’re planning to knock down? It might be holding up part of your house.

Removing or altering load-bearing walls without proper planning can create serious structural problems.

AFM Tip: Before making structural changes, speak with a contractor or structural engineer. It’s the safest way to bring your open-concept dreams to life.

GFCI Outlets Are Essential Wherever Water and Electricity Meet

GFCIs (Ground Fault Circuit Interrupters) shut off power if they detect a shock risk.
They’re required in bathrooms, kitchens, garages, laundry rooms, and outdoor outlets.

AFM Tip: Test your GFCIs monthly. If they don’t trip, replace them. Installing or upgrading them is a simple way to keep your home safe around water.

Not All Basement Windows Count as Emergency Exits

Bedrooms, especially in the basement, must have a window large enough to escape through in case of fire.
Without proper egress, the room may not be considered a legal or insurable bedroom.

AFM Tip: Every bedroom needs an emergency exit you can open and climb through. It’s a key safety standard that affects how your home is classified.

Building a Deck? Permits and Safety Standards Still Apply

Even outdoor structures like decks are subject to building codes.
Railings, footing depth, and stair safety all matter - and failing to meet local rules could lead to a tear-down order.

AFM Tip: Check with your municipality or township to see if your deck project needs a permit. A quick call can save you time and money later.

Incorrect Plumbing Slope Can Cause Backups and Water Damage

If your drainpipes aren’t angled properly or lack proper venting, wastewater won’t flow efficiently.
This could lead to clogs, slow drainage, or serious damage, none of which are usually covered by insurance if installed incorrectly.

AFM Tip: Consult a licensed plumber if you’re unsure. A little help upfront can prevent costly fixes down the line.

Furnace Installations Should Always Be Handled by a Pro

Installing or replacing a furnace might seem straightforward, but if venting isn’t done correctly it could lead to major safety issues.

Improper venting = carbon monoxide buildup = big trouble.
It’s one of the most dangerous jobs to attempt without training.

AFM Tip: Your HVAC system is vital to your home’s safety and comfort; think of it like your home’s lungs. Always hire a licensed technician to handle furnace work.

Fire Blocking Helps Stop Flames from Spreading Between Floors

Fire blocking (or fire stops) are required to help contain flames and slow the spread.
Gaps in framing, especially around walls and ceilings, can let smoke and fire travel quickly in an emergency.

AFM Tip: If you’re framing new walls or opening existing ones, make sure any hidden gaps are properly sealed. Fire safety starts behind the scenes.

Don’t Forget Final Inspections: Make it Official

Pulling a permit is great, but skipping the final inspection means your project might be considered incomplete or even illegal.
It may cause issues when selling your home or updating your insurance.

AFM Tip: Book inspections at the right stages of your project, especially at the end. It confirms your work meets standards and protects your investment.

Renovations Can Affect Your Home’s Value and Insurance

When you finish a basement, add a bathroom, or upgrade your kitchen, your home’s replacement value increases.
If your insurer isn’t aware, you may be underinsured without realizing it.

AFM Tip: Always notify your insurance agent of any major renovations. It helps keep your coverage aligned with your home’s true value.

Wrapping It Up

Building codes may not be the most exciting part of your renovation, but they’re one of the most important. They help keep your family safe, your home strong, and your insurance in good standing.

Need a second opinion before your next project? Our team at Ayr Farmers Mutual is here to help you stay safe, stay covered, and stay confident; from your first permit to your final paint stroke.

Happy renovating!

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Disclaimer: The information provided on this blog is for educational purposes only and is not intended as professional insurance advice. The coverage, terms, and conditions of each insurance policy are unique and subject to individual circumstances. The information provided does not guarantee the availability or suitability of any insurance policy for your specific needs. You should not rely on the information in the blog as an alternative to professional advice from your Insurance Broker or Insurance Company. If you have any specific questions about any insurance matter, please consult a Licensed Insurance Agent or Insurance Broker for personalized advice and guidance.