I am going to frame my unfinished basement myself and would like to know if it's okay that I put up the foam board insulation against the concrete walls and frame it up before pulling a permit. The inspector won't come out and want to see the condition of the concrete walls or anything like that will he/she? I would like to just get a head start on the permit process and then let the subcontractors do everything else. Thanks for the info.

house built around 1993, NJ. Basement was finished around mid 90's. A ~10x10 unfinished storage area has just one ceiling joist showing signs of rot. The sump pump is on the other side of the basement. There's a French drain. There's two large humidifiers that have been running for decades. About a few years ago, they noticed some black/dark dusty stuff on just one of the joists in the unfinished area. There are maybe 5 other joists that look perfectly fine. Not sure the exact species. They are solid wood joists, not engineered I joists. The floor above the joists is plywood, not OSB. It looks fine. They wiped the black dusty stuff (mold spores I guess) off the joist and sprayed it with a mold stop product. The joist has blotches of black areas. I couldn't really get into the sill plate area (there's storage shelving in the way on both sides), but it doesn't look like the rot started from the end and moved towards the center of the joist which has black blotches. So anyway, what would cause just one single joist to rot like this? The basement has no basement'y smell or anything, is a higher end home that most likely had good coating on foundation before backfilled. All the other joists and the 2x4 pine storage shelves look perfectly fine. I was thinking just spray with bleach, but will check out some other mold stop products real quick unless someone has a suggestion for treatment. I'm baffled though why just one joist is moldy. Wasn't kiln dried enough? I dunno. Thanks.