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Yes, ceiling joists are typically load-bearing. However, their primary function is to support the weight of the ceiling and loads applied to it, like lighting fixtures and ceiling fans. They can also help support the roof, especially if they’re part of truss systems. Remember, the load-bearing capacity of ceiling joists depends on the material, size, and space between them. 

Homeowners insurance may cover damaged floor joists, depending on your policy. Insurance typically covers issues from storms, fires, or water damage from burst pipes. However, don't expect your insurance company to cover damage from wear and tear, poor maintenance, or termites.

Tipping contractors, builders, or general contractors is not customary or expected. Unlike many service professions where tipping is built into the payment structure, construction professionals typically charge a full rate for their services. However, you may choose to tip a worker for exceptional service, such as if they go above and beyond, stay late to meet a deadline, or work on a holiday weekend. Before offering a tip, it's a good idea to ask about the company's policy, as some prohibit their employees from accepting gratuities. If you want to show your appreciation for a job well done without giving a cash tip, consider writing a positive online review or offering to serve as a reference for potential new customers.

Yes, you can find ceiling joists using simple tools if a stud finder isn't available.

Using a hammer requires patience and a keen ear. Gently tap the ceiling in a grid pattern, listening for sound changes. A hollow sound indicates space between joists, while a solid, dull thud suggests a joist. Mark the location with a pencil and confirm by tapping from different angles.

Alternatively, you can use a nail, but this method will leave small holes. You'll feel increased resistance when the nail hits a joist. Mark the spot and repeat the process every 16 or 24 inches to map the joist locations. This method is considered less reliable than using a stud finder.