One of the funniest stories concerning "assume" I have ever read was that of an off-the-grid family in,I think,New York.(I read this years ago). Anyway,following the big blizzard of the year,said homeowner,friends, and family are enjoying hot cocoa,meals and other amenities inside the warm home, when the utility foreman knocks on the door asking where the meter is? Seems his crew just installed a 1/4 mile of poles and power line to a house never hooked up to the electric utility.
I am sure there are places where official permission to live in your own home is not granted without such hookup.