Because Granger is unincorporated, a five-digit address there usually falls under the St. Joseph County/South Bend Building Department, and that's who issues the permit. The department wants the permit in place before work starts, so a job that needs one waits until it's in hand. Every contractor and subcontractor has to be registered with the department to work in the county, and registration takes a $5,000 bond, proof of workers' compensation and a $125 yearly fee, so it's worth asking whoever you hire and checking with the department. We check with the office that covers your address before anything starts, and when the job calls for a permit we pull it as part of the work.
The department says a lot in a flood plain or wetland may need prior approval, so if a retaining wall or footing is going in near low, wet ground, we sort that out first. Your price comes down to how much brick, stone or block has to come out and go back, how close we can match what's there, how high we're working and what we find once a wall is open, and the schedule turns on the permit, the materials and that same opening up. I walk all of it with you on site and write it up in plain words. Granger runs up to the Michigan line, and we do the same work across it in Niles, MI, where we check with the office that covers that address.