Perry, In a way, you are comparing apples to oranges. While I agree that an installer needs to indentify ANY potential installation problems, including crawl space or substrate problems, it is not his responsibility to correct them personally. His responsibility is to indentify and see to it that those problems are corrected by either the homeowner, the general contractor or himself. Now if an installer fails to indentify a problem and the floor fails, he is ONLY responsible for repairing the flooring itself AFTER whatever caused the problem is repaired. Look at it this way. Floor installer #1 comes out and sees a problem and notifies the homeowner that it will cost an additional $$$ to fix the problem. Now the homeowner can do it themselves, hire someone or pay the installer to fix the problem. In any case, the homeowner foots the bill. So lets say installer #2 fails to notice the problem and installs the floor and it fails. Yes, he eats his install plus the material and whatever it costs him to correct or repair the floor. However, the homeowner doesn't get a "freebee" just because the installer missed something. The homeowner is still responsible for footing the tab for correcting the cause of the failure (in this instance, crawl space moisture) because he would have had to in the first place had installer #2 noticed it. It was a cost that he would have born had the installer noticed it.
And yes, my contracts are very specific about what is included and what is not included. I typically do NOT include ANY subfloor repairs or on-grade vapor barriers. If those things are needed, then I will give the homeowner a separate quote for repairing or performing those jobs, if I want to deal with it. I do say that I will not install until those items are corrected, or I get a waiver, which doesn't let me totally off the hook. But most folks go ahead and have the repairs done by me or someone else.
And you may disagree with me professionally, that's cool. But this is how I see it and how I understand the NWFA has recommended these types of issues be handled. IMO.