Wood moisture meter will cost $200 to $600 depending on capabilities
and range. Any home inspector or termite tech should have one.
Probably cheaper to hire someone unless you are making lots of tests.
Insurance may to have it tested but probably not to buy you a tester.
Mine cost $550.00.
Go to www.rlcengineering.com and look up their MAD WOOD chart. It
relates relative humidity to wood moisture.

Stretch