Many professional home inspectors consider weatherization when they inspect the interiors of houses. Newer homes tend to have much tighter and better insulated building envelopes. There are a host of energy efficient upgrades available to existing homes though some of them will take a very long time in returning the investment. The unknowing do it yourself runs the risk of blocking up critical attic ventilation and even setting up fire hazards when insulating over lighting fixtures that project through the ceiling into attic floor insulation.
Up until about 1935, plaster on wood lath was the most common finish material for walls and ceilings. That plaster often weighed about as much as concrete and with the typical 1/4 inch ceiling, was prone to falling suddenly. God help any person or nice piece of furniture beneath such a fall.
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This is what the wall materials look like once the bath wall tiles have been removed. It may be that moisture, and even water, has been getting behind the tiles for a long time. It also may be that when the tile was installed, the moisture used in the adhesive did not dry and cure quickly enough, such that mildew and mold formed behind the tile.
This scene serves to inform us that mold and mildew can often exist out of sight. It is common for mold and mildew to form behind vinyl wall coverings. Roof and plumbing leakage that gets into wall cavities or beneath finish flooring materials is likely to foster the growth of mildew and mold there.
This is why some insurance companies will deny coverage to homes which have experience water leakage problems whose sources have not been properly mitigated. This is especially true when an older home has galvanized supply piping. The insurance companies seem to feel that those systems are very likely to cause extensive water damage and potentially leave behind mold and mildew even after a surface clean up.