To make a long, expensive story short, we discovered that builder failed to insulate an entire 3rd attic space and didn't seal wall cavities up in the main attic or insulate chases properly (Inspector failed too). 

So, they will need to remove insulation to access all joists/floor boards.We agreed Dehumidifier to be installed to prevent the issue from reoccurring.I already have vapor barrier installed.Crawl Space Ninja stated that the fiberglass blanket insulation between the joists in my crawlspace can remain removed post remediation.

When I rehabbed the basement I tore out the existing drywall ceiling and added sound-proofing insulation followed by a 5/8" fire-rated drywall thinking that would be enough, but apparently the tenants can hear us walking, the dogs claws (we have hardwoods) as well as the TV.

You still have to fur out the inside to put insulation and drywall on.

Superficial Improvements: The focus on aesthetics might mean that only visible areas are improved, while critical but unseen aspects like plumbing, electrical systems, and insulation are neglected.5.

Insulate you from liability?

The benefit of them is that in most cases you insulate other properties outside the LLC if you have a loss. 

I'm not sure how much of that is insulated to that market because of the fires (the prices didn't drop at all right after the fires).

At $40 per square foot they were not climate controlled and were pretty basic (gravel drives, no CC, no insulation). 

Well the FSM must just do a walk through, did not crawl underneath the house to check under the insulation for plumbing pipes etc. and now we are waiting since Nov. 10th for the FSM to go back out and assess the damage for a possible credit.