In Commercial I usually don't worry at all> (Unless certification is required, at which point everything is terminated and fully tested. Bag the tombstones and stuff in the wall...) And often cielings are accessable...
In residential, I check, when there are doubts. Especially if other trades are late, like plumbers, framers, and if I have some green guy that just can't control his own strength, and cant seem to beat it into him that wire abuse is not nice. It seems I have all of the above on current project. With the above circumstances, over the years I have found some interesting things. Plumbers solder pipe next to cables, melting whole bundles. Framers make a few changes and go through cable with a sawsall... Once caught a new guy swinging from the rafters like Tarzan from a bundle of cable. Yeah, new job, GC, Subs and helper dude.
"Well - I oughta....." -Jackie Gleason