Not knowing exactly where you are or any codes specific to you locally, most interior work, in a remodel sense need not be permitted, unless you had to alter the main structure, especially in the sense of an add on to create a larger space. but if you made any changes NOT to code, you should especially find that out in an inspection. If you happen to use a Realtor, they may be able to advise of an inspector. A Realtors position certainly does an assesment of value, but not strictly of details in construction, or methods used.

As regards insurance; that may also not be anything written in law, but with all due respect, had I made major changes/modifications/upgrades to a property, I would want them insured. After you sell it shouldn’t matter to you. What should matter however is the quality of your work and materials used, to be fair to any buyer.

Certainly it would be to your benefit, as well as a possible selling point to any prospective customer, for you to have proof that the house had been recently inspected. In YOUR sales pitch/ad/flyer, etc. you can list any upgrades (as is common) that may also help you sell.

As one answer suggests, raising the value. That may be the case, but certainly not always, and costs of remodels are not always recouped totally. The loft for example, may not be something every buyer cares about, and I have an experienced opinion about buying and selling. The Man,,,no offense, may think he is doing the buying, may even pay the mortgage, but it’s the woman who chooses the house, in most cases, and two primary issues are the Kitchen, and number of or size of bathrooms, then comes closet space, and a general sense of how those items they may already own, will fit into this new space.

For a seller it is as important to give the house the best CURB APPEAL possible. If the interior is decent, creating a Hallmark card front yard will do as much to sell a house, as interior touches.

Steven Wolf
Just my ywo “sense”