Im with turbo69. Also a builder. Have you checked a good insulation company? Surprisingly, although their price may seem stiff, insulation is generally cheaper being installed by a pro by the time you buy the material. And if its the right guy its done correctly. I could give you a long list of rot repairs we have done to houses in the last couple of years, 98% resulting from spray foam insulation. That stuff acts like a sponge.
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