You have a similar situation in basements when the NM cable is run in the floor joist for the first floor. People hang thing on the NM cable like clothes hangers for example. Running furring strips on the bottom side of the joist and stapling the NM cable to the bottom side of the furring strips would solve that. Contractors don't won't do that because it's to labor intensive. I'd like to do it just once and see some "green" inspector try and write a violation [Linked Image]

George Little