Roof, ceiling fans and other construction madness

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I have to admit, I have very very split feelings about local construction practices. From one side, I appreciate the fact that it doesn’t take many months to build a house. Things are done swiftly, and results generally look pretty (generally, because people can always screw up style of the house by find incredibly tacky combo of siding and other materials). From the other side, houses look quite temporary.
Just think about it — roof needs to be checked after hail-storm. Hello, the roof supposed to protect the house from severe weather and not by dying on the spot because it got pummeled with small-to-medium size chunks of ice. “Warranty” is usually pretty worthless as any kind of severe weather is pretty much not covered, save for your insurance. And you don’t want to touch that unless it’s a catastrophic event that pretty much destroys large part of the house, otherwise your premiums go up, you get placed on “OMG client that dared to file a claim!” list, and if you have more than a couple claims in a couple years you could become uninsurable.
So… how come in other countries roofs survive hail and high wind and not have to be re-done every time? Why by using better construction standards, of course! When roof is done as a thin layer of wood particle board, covered with membrane, some insulation (if you’re lucky) and then shingles (ha-ha!) no wonder it won’t stand up to anything substantial.
That’s when I found out about metal roof, that can outlast the house *sigh* Of course it wasn’t an option back when I was buying the house. And it’s way more expensive. And after that I’ve found that it’s also possible to use Kevlar coating on top of the roof. If it can stop a bullet, it can stop hail. At a price that’d make pentagon contractor shed a tear of happiness…
But okay, I can understand how builders may want to avoid large additional costs. But even small things are not taken care of.
Specifically light fixtures and ceiling fans.
When I was putting up my first ceiling fan I was shocked. Wires sticking out of the ceiling (with thick copper wire not coated with insulation, on an account of being a ground wire). When I lived in Russia I lived in an apartment, which had a plastic plug and a hook for putting in a light fixture. Why not use some standard plug (think something akin to a hard drive power plug) so that connecting a fixture is literally a snap? How about throwing in a couple more wires, so that single switch can be split in two, without chains dangling from the fan/fixture? Instead you are treated to a bunch of wires and have to use screw-on electric caps for connection… barbaric!
Thank goodness new houses have the box connected properly to a beam, so generally any room can receive a fan, which helps with Texas heat a lot. But why not go one more step, and help make things even more convenient?
That remains a mystery to me… Though I suppose contractors would be unhappy…

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