The reality is that unless someone knows you and your work personally (friend, relative, w/e) it can be really difficult to find an inspector who is willing to sign off on some random persons work as there is a liability component (nowhere near as large as there is in the US, we have publicly funded "accident insurance" called ACC) in doing so.

That being said, anything I can legally do myself I do and I am sure to maintain good relationships with the inspectors I know.

If you screw up your electrical wiring, your house can catch fire. If a house is on fire, the neighboring houses are rather likely to also catch fire. Once you have a handful of houses on fire, all bets are off - the entire neighbourhood might burn. Still think you should have that "freedom"?

Dude, trust me. Yes there are building and electrical codes. Many are written in blood. The perception that there is no implicit freedom to be found anywhere is unique to our internet worked world where you can pull the tail of the invisible cat and have it yowl at the inspector in short order.

What you are probably struggling with, is the concept of the Social Contract's primacy. There are those that believe what is allowed starts with a yes/no from the biggest baddest enforcer of their idea of the Social Contract. I call these folks Hobbesian. Then there are those who see the Social Contract itself as something subject to the independent acceptance in whole or in part by independent, free-thinking agents. I call these folks Locke-ian. They are famous for the intellectual fireworks that get set off if you lock them in a room together to settle their differences.

The reality is, the truth is something more akin to: let's implement paperwork and objective inspections so people have a safe recourse, but leave the door open for people to do what they want with things they own, and only argue about the more philosophical notes when there is a clear and present breach of decorum by one party or another.

This arrangement tends to keep both parties reasonably happy.

People don't want to get hit by a car, so we've collectively agreed to require that all drivers pass an exam that proves they know how to drive safely enough to bring the risk of them running someone over with a car to an acceptable level. The general freedom to drive a car does not exist - we've collectively limited it to only those individuals, who pass our standard. Similarly, everyone does not have the right to build their own airplanes and fly people around in them, because those people could get seriously hurt - we have limited that "freedom" to only people who have proven that they know enough about how to build and/or fly planes to, again, decrease that risk down to an acceptable level.

Do home-owner repaired house catch on fire more often than houses repaired by licensed contractors?

My insurance company has never told me I can't repair my own house.

Easy to say things like this, but once you get out into the real world you notice a lot of America doesn't want to pay $150/hour to change a light switch...and has the knowledge to DIY it.

That it seems entirely reasonable is most of the problem.

Because people imagine that getting certified is a two week safety course, and that getting inspected is paying someone $10 to spend ten minutes looking over your five minute job.

But then the licensed professionals capture the regulators and the licensing requirement stops being about safety and starts being about gatekeeping, so getting licensed becomes impractical for anyone not full-time gainfully employed in that industry. And the gatekeeping and bureaucracy cause the inspection to require weeks to get an appointment and the payment of $150 over the replacement of a $10 light switch.

Then, you notice that the light in your living room flickers sometimes. You would be inclined to have your buddy the electrical engineer come have a look except that he's not a licensed electrician and you're not convinced that the lights flickering once in a while is a problem whose solution is worth $150. Two months later the light switch with the bad connection finally overheats and your house burns down. Or you're willing to pay the money but it takes 15 days to get an appointment and the amount of time you had before the problem became a fire was two weeks.

Making repairs to safety-critical things less accessible is dangerous.

I took household lighting classes at the local community college and our union electrician uncle helped use redo his house.

Impossible in my state to get a electrician license without doing 1+ years as an apprentice under a electrical company full-time. Once you get the "apprentice" license, you then spend another year or two under more supervision to become a journeyman.

At that point you are able to pull permits and work on your own. So 3-5 years working as a full time electrician. They expect you to learn everything on the job and eventually take a test.

More time to get an electrician license than to become a licensed police officer (250 hours of academy training).

Sweet. All of that to legally change a dishwasher in my house.

So all of the people on this forum spouting off about "certified electricians" are either part of the electrician racket themselves or have 0 actual clue what they are talking about.

Either way we got a good deal on the house and I’ve been learning a lot about how to fix it the right way.

There were also some hot wires just dangling out of a box in the basement, and a couple fried plugs, so I and I assume the inspector knew that there were bound to be more fun surprises.

It’s not like the inspector is going to say “well we better open up this wall just in case”

Ended up rewiring one of the bathrooms after what started out as “change a couple of switches and add a GFCI”

As you point out there are likely punitive consequences but those are after the fact.

I do have a so called "DIY insurance" on my home policy - if I damage something while doing a DIY project(drill into a cable or a pipe for instance) my home insurance will cover the repair. Is that not enough?

Electricians have liability insurance provided by an organization specializing in policies for practicing tradesmen. If an insurance company fails to disqualify a homeowner's policy and pays out, it will then go after the electrician and his insurance to recoup their losses. Residential electrical fires are extremely preventable so insurance companies almost universally refuse to insure homes with DIY electrical work because the homeowner is the one liable.

Homeowner's insurance routinely covers preventable disasters. Did you leave a candle on or a heater plugged in and start a fire? Did you not cut down a tree that was looking unhealthy and it fell on your home? These are all situations where your insurance would pay a claim. The cases where they would not pay a claim are more along the lines of "deliberate arson".

You may well need to certify that work is permitted in order to get an insurance policy.

Relevant reddit thread: https://www.reddit.com/r/HomeImprovement/comments/7vwe23/doe...

They allow them to change sockets and light switches. Anything requiring a city inspector is literally the same thing as getting a licensed electrician. Municipalities have a lot more insurance than an electrician does, often unwritten by the same reinsurers as the electricians.

> But second and maybe more importantly how would you ever be able to get insurance on an older house. There may have been dozens of different electricians and homeowners that did work over the years. Who would the insurance company go after if a problem occurred.

The insurance company goes bankrupt and the state bails out the homeowner. That's why we have electrical contractor surety bonds.

Do you have any evidence to point to where someone changes a dishwasher or some other small electrical project, and later insurance denies a claim?

I can imagine scenarios of gross negligence (wires run all over exposed, gas leaks, etc. etc.), but if we are talking small mistakes by homeowner during a un-permitted DIY project, I have a very very hard time believing insurance is going to scour the rubble to investigate...like literally how to you prove that!?

Like someone else said - when you buy a house you don't know how the electrical wiring was done and by whom. Paperwork is required only for the things I mentioned above - new circuits added after the house was built mostly. And even then someone would need to prove that it was done after construction.

So even if the insurance company wanted to deny a claim due to a DIY fitted socket....I think they would struggle, as there's absolutely nothing forbidding me from installing one, and most importantly - my contract with the insurance company doesn't forbid me from doing so.