The infrared helps you identify moisture mainly so you have a better idea than visual inspection on leak detection.My biggest concern is that this company could be out there inspecting your property, notice a rodent problem or leak etc. and then not tell you about it because you didn't pony up the extra $150.

.-  Basement has an obvious moisture problem.-  Subfloors are saturated with moisture at some parts, leading to wood rot, fungus/mold, and obvious safety issues.-  The floor unit above the basement's problem site has a concerning issue with floor sloping/alignment.

I have dealt with mold several times in buildings here in the Berwyn area, and the main thing is to get rid of the moisture before you waste time treating/replacing material. 

To have active mold you'd need moisture.

The two main things to look for (as in any house with a basement or crawlspace) are signs of moisture intrusion and differential settlement.

You can say "we just want to come take a look around, make sure there are no pipes leaking, no moisture from condensation in bathrooms or around windows, and that everything is in good working order for your use, and our eventual sale of the house" (if they already know your plans).Especially if you have any suspicions..

Since you've already called in the claim I would call your agent and discuss what may or may not be covered.The building inspector told me we needed to be at 7% moisture in the studs or less.

We inquired about the issue and was told that it was just from the moisture?

Mold will grow in absorbed moisture even in a "dry" basement.

Make sure that the repair was done properly and that no moisture has been trapped in the walls or ceiling.