One contractor said moisture is coming through a hole in the exterior stucco, but another said no way because the vapor barrier would block it. 1st one recommended installing insulation, but I've also read this can increase condensation problems.

I read about so called 541 trust …when a creator brags the trust was not penetrated so far in any case.

Spend $150 on "Great Stuff" and go into the attic and seal every plumbing and electrical penetration.

The anonymous land trust is nearly impossible to penetrate in court. 

You have to dig a trench about 2 feet deep where the tree may penetrate to the house, so you can do it youself, probably a lot of work. 

If you’re not fairly liquid you’re gonna get penetrated but shortly after that even you will have access to cheap capital again as federal governments addiction to deficit spending increases.

., not floors that have become uneven over the years due to moisture or settling of the house.

It has nothing to do with the pathogens penetrating the barrier.

No mildew or moisture, no spots on the foundation where you might be able to see a water line, and said, if we happen to encounter another 100 yr storm within the next 15 years, we'll be ready for it with no ill effects.sorry for the long winded post, but that is what I would do.

The moisture will warp the doors/frams and cause more damage that you will be left with.