Having been in the business for more than 30 years, we have seen a large number of house plans which looked good at first glance. However, upon closer examination, many of these plans were found to be lacking large amounts of needed information. If a house plan is not easy to navigate or is not thoroughly detailed, then the builder is left to guess at the designer's intentions. This often means that he will "pad" his bid to make sure that he covers any unknown construction costs that may arise.
On the other hand, stock house plans are substantial past drawn designs by a skilled designer or architect ideally of a specific purpose or general use. The question is, why choose a stock plan over a custom drawn plan? It all amounts to various reasons that are discussed below.
Every set of custom house plans includes several items which need to be blown up and detailed for further clarification. If a set of plans does not provide additional close-up drawings (for things such as beam connections, deck railings, stairway construction, etc.), then it is not a complete set. It is very easy to cut corners during the planning process. But the end result will be higher costs for the home owner - and lots of frustration for the building contractor.
One item to look for when evaluating a house plans' quality level is the number of structural sections which are shown on the plan. Highly detailed sets of plans will always cut lots of sectional views through the house to show every different roof framing situation. This might mean that 10 or 12 (or even more) sections need to be drawn for a large house plan. And even a small house plan should include 3 or 4 sections minimum. However, many home plans available today (especially plans purchased through inexpensive plan directories) cut corners in this department and only show one or two house section views. This means that the builder will have to guess at the rest of the house framing.