There's a general expectation that if you own a house, even a single or duplex house, it's not going to fall apart and put lives at risk with a moderate storm o

There's a general expectation that if you own a house, even a single or duplex house, it's not going to fall apart and put lives at risk with a moderate storm or kitchen fire. I'd agree with you that there is a lot of unnecessary and unproductive bureaucracy in the process, but I do not mind the status quo.