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Building involves setting foundation posts, framing with durable wood, adding roofing support, and protecting from elements with water-resistant finishes.

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.

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.