Is it normal for spray foam to cover up my water shut-off valves and wiring?

You've got a major problem on your hands because no proffesional installer should ever bury service points or mechanical shut-offs in closed-cell foam. Spraying over the back of a shower valve and the main electrical service entrance isn't just sloppy work; it's a massive code violation in most jurisdictions. If you ever have a pipe burst or need to swap a mixing valve, you're going to be hacking through cured resin with a handsaw just to find the fittings, which usually leads to even more damage.

Regarding the electrical lines, encasing them in foam can cause a dangerous heat buildup. Wires are rated for specific temperatures based on their ability to dissipate heat into the surrounding air. When you trap them in high-R-value foam, they can't shed that heat, which can lead to the insulation on the wires degrading over time or even starting a fire. Most inspectors will fail a job instantly if they see the **main service lateral** or interior branch wiring completely submerged like that without being in a proper conduit or having clearance. If you paid a contractor to do this, you need to get them back out there immediatly to remediate the mess. They need to carefully scrape the foam away from all junction boxes, shut-off valves, and the electrical panel entrance. It's a tedious, miserable job, but it has to be done for safety and future maintenance. You should be able to see and access every single valve and wire connection point without any obstruction. Moving forward, keep an eye on those areas for any signs of moisture. One of the downsides of spray foam is that if a leak does develop behind it, the water can travel along the foam/wall interface for several feet before it actually drips out, making it a nightmare to track down the source. If that crew isn't licensed or refuses to fix it, you might want to call your local building department for a quick inspection. Their report will give you the leverage you need to force a proper repair or get your money back.

Sounds like a hack job with some cheap 2.0lb density stuff. A legit outfit running a Graco Reactor E-30 woud’ve masked those shut-offs with poly or used some scrap XPS as a standoff. Since they didn't, you need to grab a long-blade Jab saw or a Milwaukee oscillating tool to get that gunk off your PEX and brass before it hides a slow drip. If they buried the 200-amp service entrance, check if they used fire-rated intumescent coating like DC315 over it, though it sounds like they didn't even bother with the basics. Get a moisture meter and check for sweating behind that cured resin immediately.

I agree, that's a total disaster. One thing the others didn't mention is your sewer cleanout. If they sprayed over the back of the shower, check if they also buried the threaded cap for your main drain line. If you ever get a backup, a plumber is going to charge you triple just to chip out that access point. Also, keep an eye on any copper. If moisture gets trapped between the foam and the pipe, it causes pitting corrosion. You won't see the green oxidation forming, and by the time it acutally leaks through the foam, you'll have a major rot problem.

Update: I took the advice about using an oscillating tool to clear those service points. It was a huge mess, but I finally uncovered the shut-off valves and that sewer cleanout someone mentioned. I’m still worried about the electrical lines, but at least I can access the plumbing if another leak happens. Thanks for pointing out the code violations; I’m definatly getting a real pro out here to look at the rest.