I have a situation where a modular home that at the time of on site construction, had staple up hydronic heat tube installed under the first floor on site. This took place prior to my illustrious career starting for this jurisdiction. I came in at the tail end of the project and failed to visually inspect the crawlspace "assuming" bad idea/ word in this line of work) that the previous inspector had already looked at this area during a previous insulation inspection. Turns out that he didn't either and as a result the installer cheaped out on the floor insulation over the unconditioned crawlspace by installing R-9 foil faced where R-30 was required at that time and got away with it. Now the homeowner is suffering the consequences. The lack of proper insulation(none in some of the areas) in the floor joist cavities is causing the owners to have to crank their thermostat to maintain 70 degrees in their house. So my question to the forum is, who is to blame? Me, the contractor, or the previous inspector? If it is the contractor who is now long gone/bankrupt/MIA does the homeowner have any retribution? If it is me do I get away with saying "sorry I missed that" and move on? Thanks in advance for any advice you all may have.