When a home inspector sees crawl space insulation that has fallen, such as this, it usually means one of a couple things. In this case, the crawl space is wet and the moisture has evaporated up into the insulation and it is heavy and no longer supported. The little metal rods that hold it in place cannot support the weight. Another time one might see insulation that looks like this is when rodents have been working it. In that case, often you will also see straw, sunflower seeds and things like that worked up into it. Obvious remedies are drying the crawl space or getting rid of the vermin.
Steven L. Smith
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Marlene,
Wait till you see what I have planned for Halloween.