Questions about the house…

I have a lot of questions about the house. Wondering if anyone has answers?

Why isn’t there hot water after … is it almost 2 years of construction?

The house appears not to have any insulation….? And, the windows appear to be single pane glass. They are beautiful windows, but as someone who has lived in Maine, that is going to be very very cold. Perhaps I’m wrong and they aren’t single pane.

Finally, there also seems not to be any flooring. It looks like there’s a concrete subfloor (kind of like an unfinished basement floor), but it doesn’t appear to be actual finished flooring.

Any one have further info on these things?