Also when I was in Canada on both coasts I never really looked at the new construction but I assume it's 2x6 construction with r13 in the walls and maybe r45 in the attic .You don't have the mold and moisture problems we have here which is almost tropical. Anything wood rots here. But it was 84° here today Fahrenheit

Yeah I'm home and 4 trade residential and commercial building inspector. Here in Florida houses are built on slabs which essentially means your plumbing is buried under that. Even if the plumber slopes the pipes correctly the concrete people many times Disturbed the pipes so you don't even get proper flow from the beginning. Wood was a much better quality years ago now it is very weak. The wind and seismic provisions in houses are much much better than the past. But here shingles only laugh seven or eight years and HVAC heat pumps only last from 5 to 12 years. Stucco is a massive problem because it is not applied correctly per ASTM standards and even if it was stucco on wood frame is a bad idea.

That's cuz most of them are built like shit

closed cell foam on an air space.

Possibly an electrical wire, plumbing pipe or protection plate.