Hello! We recently bought a pier and beam house in the country outside Houston. Inspector pointed out that the insulation under the floor was falling; she said it should be a simple matter of nailing it back up. But the house is only 10 years old. There aren't any obvious moisture issues, like standing water, but I wonder why that insulation is falling. It seems like moisture might be a factor, no? They put fiberglass roll insulation between the joists, and then nailed insulated sheathing along the bottom. The sheathing is falling down in places, and the fiberglass spilling out. What should I do? Should I just try to nail the sheathing back up? Remove the fiberglass on the assumption that is collecting moisture and then nail the sheathing back up? Or should I just rip out all the insulation, figuring mold and critters are bigger problems than drafts? I guess I could throw up my hands and call an insulation professional, but I'd prefer to not spend that money. This is a weekend home, so energy conservation is not quite so critical, particularly not in winter. But if having a well-insulated floor would save us $50 a month in the summer, it would certainly be worth getting it done right. Any thoughts?