The Permit Question
Permits are required for work involving structural modifications, electrical systems, plumbing systems, HVAC, and roofing. The specifics vary by municipality.
What Generally Doesn't Require a Permit
Most handyman work: drywall repair, painting, flooring (non-structural), cabinet installation, light fixture replacement (no new wiring), ceiling fan replacement (existing wiring), door hardware, shelving, and general maintenance.
The Risk of Unpermitted Work
Work that required a permit and didn't receive one creates problems when you sell. Florida sellers must disclose known unpermitted work. Unpermitted work can affect financing, require remediation, or reduce sale price. More significant is liability — unpermitted electrical or structural work that causes damage or injury creates serious legal exposure.
When in Doubt
Ask your municipality directly. Most building departments can answer a quick call. A professional handyman or contractor should also be able to tell you whether a specific job requires a permit.