There have been too many deadly fires this past week and the one factor they have in common is that each of the buildings had preexisting code violations.  The fire in Chicago in which 2 firefighters died after a building collapsed demonstrated the hazard of vacant buildings. Eight squatters died in a fire in New Orleans in a building that had been cited for structural violations in 2007. In Yonkers, N.Y. a man died in a residence that had been illegally converted into multiple dwellings, including a basement apartment. It was reported at LoHud.com that:

The day after the fire, city inspectors visited the property and issued four summonses against the Walshes for illegally converting their basement into an apartment, illegally using the first floor of their two-family home as a boarding house and blocking fire exits, among other violations.

Owners often get angry at building and housing code inspectors because they feel the inspectors are interfering with their ability to use their property as they desire and because compliance with the code costs them money.  Tragedies like these demonstrate why we have codes and why strict enforcement is necessary.

I just finished reading a terrific book about the economic crisis which I’m recommending to everyone who wants to understand why we’re in such bad shape.  It’s The Big Short by Michael Lewis.  It helped me understand why such terrible housing loans were made by the financial sector.  The lenders never expected to be paid back on these subprime loans.  The way to make money was to sell them, trade them, bet against them, and then, when there weren’t enough loans to do that with, create “synthetic collaterial debt obligations” to sell, trade and bet against.  It seems like hardly anyone expected to make money collecting payments from homeowners.  It also showed me how there’s no correlation between the huge amounts of money made by people on Wall Street and their competence.  People are still making money off of the crisis and in one article I read, the investor is actually helping homeowners. http://online.wsj.com/article/SB10001424052748704720004575377022447064474.html?mod=WSJ_hpp_MIDDLETopStories The investor buys loans for a cheap price and he then offers the homeowners a reduction of the principle on their loans so they can remain in their homes.  He can afford to do so because he’s buying loans for 50 cents on dollar and then charging the homeowners 70 cents on the dollar. One can only hope that 2011 will be a better year where people use all of their creative ability for good and not for greed.

Building officials do not enforce homeowners’ association deed restrictions.  A deed restriction is a private agreement between a homeowner and the association connected with the development.  For example, many associations have restrictions on fences, swimming pools and other outdoor structures.  It is conceivable that a person could apply for a permit to build something in violation of the deed restrictions (also known as restrictive covenants) and be entitled to such a permit.  The building official should let the applicant know that such a restriction exists if the official is aware of it but ultimately, it’s up to the applicant as to whether he or she wishes to proceed.  However, if the structure is built in violation of the building code, the building official can enforce that violation.  The remedy for a violation of a deed restriction is a lawsuit between the association and the homeowner, such as occurred in Horn v. Huffman,  2010 WL 1404414.  In that case, a homeowner knowingly violated a deed restriction by building an above ground swimming pool contrary to the deed restrictions document. The homeowners’ association brought a lawsuit to enforce the restriction which was the proper course of action.

Without commenting on the viewpoint of the creator, here’s a video of some interesting construction, like the house with a fire plug blocking the driveway:

Citizens who normally couldn’t gain the attention of anyone when they can’t get the attention of their representatives can go directly to the public by making their own films and posting them on You Tube.

Here’s a delightful presentation on how to build a snowman from a zoning enforcement officer’s perspective: http://www.gontramarchitecture.com/portfolio/Holiday_Video_2009/How_to_Construct_a_Snowman.swf Happy New Year