There's fiberglass R-13 in the wall cavity. The blue foamboard is probably keeping the water out good enough. Between the fiberglass and the blueboard, it actually holds heat ok...if it's not windy. If the wind is blowing, all bets are off. Fortunately, NW Ohio has a moderate climate compared to most people on here. It's currently 16 degrees with a windchill of 2, which I would classify as being pretty cold. Not nearly as bad as Minnesota/Maine/Canada, etc.
The company is still in business, but I hate the way they do business. They have tons of options, and have the ability to build a decent house. They also will happily allow a homeowner to build much more cheaply and crappily than should be allowed. They have an advertisement on the local FSBO.com website where they will build a 1800 sq ft 3 bed 2 bath house for $116,500. Think that's a well built house?
I'd love to pull the siding down, but it's 16 years old and pretty faded. The windows are also 16 years old and poor quality. Some of them need replaced already. I think that sometime in the next 5-10 years I'm going to start fresh. Rip the siding down, tear the windows out, have it sheathed, wrapped, new windows, new siding etc. Do it once, do it right.