This is a new house that is being constructed with slab on grade (no basement).
The plumbing has been installed under the cement to be poured. Also under the slab, it will be a central source of heat with a pump to push the heated liquid throughout the structure. The floor will be warm, note also the styrofoam insulation complete with wire mesh which gives strength to the slab from cracking.
As can be seen here, a deck and framed wall are adjacent to each other, where water can enter into the wall cavity. Water from above roof had been splashing onto deck for many years and rotted the header, subfloor, and framing studs. I always recommend to clients when building a deck leave an air space between house and deck so that water can freely flow and not seep into framed structure.
This cottage home inspection showed signs in the interior of sloping floors and crooked doors. When the crawlspace area was inspected, all substructure support needed to be repaired. As can be seen, this triple built-up beam has rotted, the support column is leaning, and has no footing to stabilize the column. This situation needs to be addressed immediately as the cottage was heading toward the lake.
Electrical panels are a place where cold air will infiltrate into the home . However, this was not expected . First the danger of applying the insulation into the panel , and second , moisture or dampness building up within the insulation creating potential fire . The insulation should be removed immediately.
Some houses just beg for an inspection, like this one outside of Spencerville. After a decade or so of neglect, the prior owner lost this 130-year old farm house to the bank. A young couple decided to take a chance on it, but wisely put in their offer conditions for not just one inspection, but four.