I'm hoping someone can help me figure out the following. I paid my home builder to plumb a 3/4 bath in the basement. As we got close to closing they finally cleaned up the basement and gave us a tour. I could see where the toilet drain protruded through the floor and a vertical pipe with a right angle pipe on it for the vanity. What I don't see is a drain for the shower. When I asked the builder they stated the drain was under the concrete. Long story short, I closed on the house and now that I'm planning to finish the basement I'm starting to doubt they plumbed it correctly. In your experience(s) is it an acceptable practice to NOT have a drain protruding for the shower? I can post photos if needed. Thank you for any information you can provide!
Your suspicions are correct & legally all pipe ends need to be exposed & visibly capped. This can be done by the pipe protruding from the floor or by leaving a 6" wide hole in the floor around the pipe.
I'd get a plumber with a camera to inspect that plumbing & more, before you break-up any floor. The camera operator can confirm what's what & may be able to pinpoint it's location under the floor. If not then it's off to the inspector to get the guy who did it back out to do it again & right this time.