The city I grew up in has never adopted a residential building code. Beyond requiring a working septic system or sewer connection, it simply has never been a

The city I grew up in has never adopted a residential building code. Beyond requiring a working septic system or sewer connection, it simply has never been a thing. Houses aren't falling over or catching on fire. Neighborhoods look like any other fairly prosperous area in the Midwest. Getting a mortgage and an insurance policy was not arduous or particularly expensive.