to NGA,
@Danielle13.
Over the last 6-7 yr., I have said this numerous times, and I'll say it again. Over a 25+yr. period, growing many hundreds of fiddles, I have never seen root rot. Never.
Fiddles are "water-hogs" and in my opinion, as long as you have well-draining soil, bright light, and adequate drainage holes in your pot, you simply can't over-water a fiddle. You sure can under-water them though, and again, just my opinion, you are too fixated in over-watering, and thus, are under-watering your plant, Danielle. I have always tried to keep my potting soils slightly moist when it comes to fiddles. As soon as the top surface of your potting soil feels dry, water. And water enough that water freely runs out of the drainage holes. Because our heated homes are so dry (and with AC for sure), there is little humidity for this tropical tree. I would spritz the leaves with water every day if possible. This will temporarily raise the humidity around the plant, and though it's not like "tropical" humidity, it might be helpful.
Because these leaves are so huge, every single tiny blemish is greatly magnified. Don't fret these blemishes. Also don't fret your plant losing lower leaves. Losing old, lower leaves is just normal with these trees. Because your plant has been stressed, that lower leaf lose was just speeded up. Keep in mind that these plants are usually grown in climate-controlled environments, environments tailored to the tropical nature of these trees. Your home will not have anything close to this environment, and thus the stress on your plant. She'll acclimate to your conditions and that lower leaf loss will slow greatly.
Can you grow this tree outside when the weather warms up? That sure will benefit your fiddle. A shady spot (perhaps under trees) that gets morning sun and/or very late afternoon sun will do wonders for this tree. Not only do trees afford the shade but because of leaf transpiration, the humidity will be raised as well.