There is a significant price difference when it comes to using foam insulation to insulate a new versus older home. Spraying insulation inside a newly constructed home is easier because the installation company can ensure the insulation will work effectively and design it for optimum defense against sound, heat transfer and utility costs. Installing spray foam in older homes that contain existing insulation can cost additional time and money -- it is not usually recommended as compared to weatherization or an energy aduit.
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If you're chemically sensitive, it's probably not a good idea to get it installed, but it's also not a good idea to breathe musty air from the crawl space either. In addition, your house and its contents are made of lots of materials that affect your indoor air quality. If you're really concerned about this, hire a company to test your air and tell you what you can do about it. http://y2u.be/ggLAUsiuI_o