Worst case the exterior sheathing, insulation, studs and maybe joist and sill are rotted.

I live in Shelbyville, IN and we have one major employer, Knauf Insulation.

It might be that the moisture is coming from ductwork that's not insulated, since it is in an attic.

Framing signed off gets xx%, rough plumbing and electrical gets enough to cover my labor, materials and the sub contractors to that point, insulation inspection sign off another check for labor and materials or subs, once the sheetrock is up and finished is another check, flooring done is another check, etc.

They were more than happy to give me copies of their utility bills if I was going to put more insulation that would save them money. 

My inspector was in the crawlspace and noted no vapor barrier or insulation under the house. 

.- If we use an RIA (registered investment advisor) it adds a layer of insulation if we were to get sued but it also adds a "mouth to feed".

Unless you want to rip up subfloors or ceilings and add insulation.

If you have very well insulated building you may be ok.

I want to hang onto this tenant as long as I can since they are literally the ideal tenant however given that they may want to utilize a smaller lease term I need to insulate for vacancy and turnover cost.