WHOA! Big question mark on THAT one! Window up while heater on...hmmm
A buddy of mine had a VA loan approved, "supposively" a home inspection...but, was some kind of assesment.. So much termite damage that he was screwed from the word GO!
He couldnt do a thing about it, because he "signed off" on it, with out even knowing it... So, no one is really honest when they want to make a buck.
Oh, about those contractors at the BBB... my Buddy was contacted by them, (he is an independent contractors for LOWES), and they were willing to list him if he paid 600 bucks a year to get "one the list"... They didnt investigate him, or anything, just wanted him to pay for an upfront listing, so that they would "promote" him... I laughed when he told me that one... Since your supposed to think that the BBB is looking out for your interest. I would never use them, knowing what I know now. I would get people who live around the neighborhood and see who THEY use! (Of course, you get some that are so picky that they hate everything that anyone would do, and cant be satisfied with a 100 car funeral either)...
Crumbling foundation? Lots of water damage there...Could be a sandstone block foundation or other soft rock, maybe cinderblock instead of concrete blocks?
Wet foundation will bring in mold. Termites. Also, if your floor joists are the type that "go into the foundation", as some old constructions are, then your in real trouble...
Get some Diazanon Plus from your local hardware store, (concentrate, and makes 60 gallons), and whip up a batch of it, and pour around your foundation for the termites... Yep, it WILL kill just about any critter around, and even those not around if it gets in the food chain! So, watch it. (I personally used it, and kept those varmits away for about 5 years now, time for another treatment). Oh, if you have fruit trees, or vegetable garden, dont do it then, highly toxic...(they say you can, but, when I read that it kills just about every bug known to man, it aint goin in my tomatoes!).
Dehumidify the basement with a dehumidifer running all the time, to forstall any further decay of the foundation. (It will dry out some of it, wicking the moisture from the rocks).
Make sure you dont have your washer and dryer in the basement, to further put moisture down there... (I have that problem now, but will soon be remedied).
Make sure all ground is sloped away from your foundation. All gutters and downspouts are cleaned. French drains operating properly. Cracks and crevesis are sealed and grouted.
Also, get some air down there, forced air if neccesary, (hope you have a window in the basement?). Or, just turn on the blower to the furnace and keep the vents open, so that you will force air to dry the place out. The dryer it is, the better it is. Termites need moisture, (its why they make those little mud trails up the walls, to keep moisture in at all times).
Ok, my two cents for what its worth, and a wee bit extra for the collection plate...