Insulation does a pretty good job at keeping the floors of a home insulated, but it does an even better job at creating a home for mold. Insulation is extremely absorbent and when a crawlspace has high humidity levels the insulation will soak it all up. After awhile, mold can begin to grow and eventually cause health problems. This is what was happening in this homeowner's crawlspace, so the best remedy for this was to remove the insulation.