<u>If </u> you need a builder at some time, watch for the guys who are so proud if building to code. Code is the LOWEST STANDARD of competency before you fail and get a lawsuit. If you are building, go to LEED standards, I would suggest minium gold level. LEED gold will save you 20 percent or more on energy consumption, the buildings last longer, builders will only do this for a client never in premade buildings/homes, as they will go cheap on everything if not for how cosmetically looks. If code is highest they aspire to they are incompetent.
When built to LEED standards insurance goes down, and repairs if any have to bring it back to the LEED standards, no insurance cost cutting.