I keep saying that permitting should be - broadly - same as driving.
You get handed a nice set of rules, you get tested on them.. and then you can go ahead and build within those rules without asking anyone for permission.
If you break the rules - we break your piggy bank to set everything straight. You can buy insurance (which will have its own set of rules) - or not.
Maybe in some jurisdictions you need to buy insurance, while in others you get to have a choice.. after clearing it with your financier.
Zoning is actually rule-making. Permitting is just bureaucracy. Keep them separate.
You get handed a nice set of rules, you get tested on them.. and then you can go ahead and build within those rules without asking anyone for permission.
If you break the rules - we break your piggy bank to set everything straight. You can buy insurance (which will have its own set of rules) - or not.
Maybe in some jurisdictions you need to buy insurance, while in others you get to have a choice.. after clearing it with your financier.
Zoning is actually rule-making. Permitting is just bureaucracy. Keep them separate.