1.  Renovations without permits:  Did you know changing your dishwasher requires a city permit?  True story:  condo owner near the penthouse changed dishwasher without permit, dishwasher leaked, damaged the suites below all the way to the ground floor, insurance asked whether a permit was granted by the city, condo owner said “no”, condo owner responsible for the insurance deductible for every single unit damaged from the leak, condo owner left with a $100,000 bill.