I saw a 3,000 sq ft house built with poor corner bracing totally in the dry with roof and cornice ready for brick, moderate wind and the house set down all the way, the roof was intact, just sitting on a pile of crushed lumber.
I guess the craziest thing I saw was a friend of mine working on his daughter's shotgun house. The house had 14 foot walls, and the sheathing was 1X8 run on a 45° angle. Code said he couldn't rebuild if the house was torn down because it was only 5 feet from the houses on each side. He took all the siding and sheathing off the house, no corner braces at all.
He would take a bad stud out and replace it, he did that all the way around the house. He had 4 or 5 men on the roof tearing the shingles off, the house was swaying like you wouldn't believe. When I saw that, I told my friend that he was fixing to kill some folks the way that house was swaying. He asked if I would brace the house for him but I had more to do than I could get to at the time.
I did go back and trim it out for him though, I couldn't believe he couldn't see the house was in such danger of falling.
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If you do what you've always done, you'll get what you've always got.
An assisted living up the street from me was fun to watch being built. There is no sheathing on the walls. They nailed 1/2' foamboard to the studs and hung vinyl siding over that. The roof sheathing is all 1/2' OSB, then shingled. No tar paper. I was watching them build it, the contractor offered me all the leftovers if I would pick them up every night. I got a pickup load of 4x8 1/2" OSB and another of foamboard. Wondering how long before something fails.
You must be in one of the places in MO that has no building codes. Or the inspector's on the take.