Notice the plastic bubble wrap type of insulation applied to the underside of the joists in the crawl space. This will trap humid air between the joists throughout the summer. As air conditioning is used, it lowers the temperature of the floor to dew point and therefore dew forms on the wood. Wet wood will produce mold and that was the case with this home inspected in New Orleans. I was able to peak into the joist bays in a couple spots and saw mold. This will eventually cause wood rot of the structure not to mention the possible health hazard inside the home because some mold spores are likely to get inside. I don’t even like spray foam in a crawl space but it’s the only type of insulation possible here in South Louisiana. Nothing else will work.