I had called as defective on a 48 yr old house. In my state Indiana wood floor joists 48 year old are Douglas Fir which is much slower to gain moisture out of the air. I don't think that very many inspectors know that wood gains moisture based on several criteria: relative humidity as opposed to humidity, species and percent of sapwood as opposed to heartwood. Southern Yellow Pine has been the species predominately used here for the last 35 years. It is highly absorbant and is primnarily sapwood which absorbs more readily than heartwood; way more! For these reasons Doug Fir, & older woods which often contain much higher percentages of heartwood can often handle humidity conditions that would rot yellow pine. These woods also change dimension less so movements from humidity changes tend to affect structures & floorings of these woods much less. 100% coverage is optimal not necessary in most situations. Several other people down the thread have affirmed this logical statement. I don't know where you got your specs on a vapor barrier but in some ways thery are understated & others over the top. Keep things in perspective & call it a ground moisture barrier. I inspected a house last spring which had just had a 'perfect' ground moisture barrier system installed a couple of weeks before I got there. The barrier was 10 mil & extended up the foundation walls to the top where it was fixed with a treated wood strip. By the end of the summer (an especially dry one) the walls in the house were cracking over the tops of interior doors & interior walls were 'wrinkling' the drywall tape where they met the exterior walls. These clients thought the house was falling in and almost called their attorney before me. (I may not be out of the woods yet) When I looked in the crawl, I found everything nice & dry, in fact the Yellow Pine floor joists were around 7% RH. They outer perimeter joists, covered on the inside of the crawl by fiberglass batts have a moisture content of 15%. I did not write down the moisture contents during my inspection, because they were inside the normal range & the moisture system looked 'perfect'! It is my opinoon that the whole floor structure, beams included, underwent a straight line drying which dramatically changed their dimension; with the outer perimeter joists drying less & changing dimension less. I installed crack monitors on most the the interior cracks & on two tight cracks in the foundation that were noted in the original report. Nothing has moved since October. I think the event is over but my clients are not so sure and they have a bunch of cosmetic repairs to make. The bottom line here is when there are yellow pine or other sap wood species floor structures in a crawl which has been very wet for an extended period; drying this crawl down is very likely to result in differential downward movement as the wood structures dry & shrink. This is more at the beams! It's making a lot of sense to me!