Looks like expanded polystyrene at R value of 4@inch and yes no moisture barrier if doubled up like you say or the moisture can get sandwiched.
Close up would have helped.
Lots of guys do fast reports here but I doubt they have my testimonials to go with them.
OK shameless plug, but you get the idea.
There is so much you can miss if you do not go over your pictures and there is no argument that stands up against taking many shots to protect yourself.
Notice I asked for a closeup and he provided one.
Checklist guys with the proud 15 shots would have no recourse for help here and would have an inferior report.
I inspect homes in northern Arizona where Basements-Crawlspaces are common, there are many old buildings built in the late 1800’s-early 1900’s.
I don’t know how most inspectors here who inspect houses with Crawlspaces and Basements at just about every property can make any money at the prices they charge. But the problem is not with any particular group, the profession in its entirety.
Its like inspecting another complete floor of a building with more things that can be wrong than just about any other portion of the building.
I would think $675-$875.00 for a 2000 sf house would be a fair price, but from what I have seen through the years they charge less than we do for a slab on grade, pity really.
David here is an link to basically what I was saying. I’ve seen older houses with old vermiculite insulation over K&T it took the NEC a long time to say it wasn’t allowed. Some states do or did allow it. Like CA. As long as the electrician said the wiring was good it could be covered. They would put a notice in the attic access warning people there was wiring buried under the insulation and that meet code. http://www.homeenergy.org/archive/hem.dis.anl.gov/eehem/91/910504.html http://homeenergy.org/archive/hem.dis.anl.gov/eehem/96/960502.html