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Nothing because the political optics of doing anything are bad ad the last thing they want is to create a victim that causes people to ask the question why the rules are even written how they are.

Environmental law is the same way. You're mostly (details depend on jurisdiction) not supposed to pave anything without getting permission but if they pushed the issue on everyone who put a pad under their car port the rules would get changed.

They also don't 100% enforce the speed limit either.

There are people on here who live in this fantasy world where all house work is permitted and performed by licensed tradespeople which is... counterfactual.

See the Brazil movie :)

Idk for Americas, but here in rural EU no one would give a fuck. Some will ask for help.

Nothing assumes no issues. If it catches/causes a fire, good luck with insurance

Insurance would still cover this stuff. You sound like you came here from Reddit, where everyone is convinced that if you DIY anything, your insurance is entitled to deny claims.

Your insurance will pay up. Then they will consider terminating your contract. DIY work in your home does not invalidate insurance claims. This is ludicrous claim. You could go read your insurance contract in five minutes and verify.