Insulation is an essential element of a healthy home. Having sufficient insulation prevents temperature fluctuations that can make your home uncomfortable and unlivable, reduces moisture which can cause structural damage, and cuts energy costs. It also protects your home from pests and mold growth, improves air quality, and increases your home value.

When you add attic insulation, you create a barrier that keeps warm air out during the summer and cool air in during the winter. This makes your home more comfortable and reduces your energy bills, resulting in significant savings month after month and substantial long-term monetary savings.

Attic Insulation: A Smart Investment for Long-Term Savings

Properly installed attic insulation can help keep your HVAC system running efficiently. Your heating and cooling systems don’t have to work as hard when your attic is insulated, which also reduces energy use and carbon emissions.

You can choose from a variety of insulation products for your attic. The Department of Energy recommends an R-value between R-30 and R-60, depending on your climate. Rigid foam insulation, such as polystyrene and polyisocyanurate, is a sheet product that fits between attic joists and beams. It has a high R-value per inch but can be difficult to install and doesn’t resist moisture as well as other types of attic insulation.

Loose-fill or blown-in insulation is made from cellulose, mineral wool and fiberglass and is typically blown in with a machine that can be purchased or rented at some hardware stores. It has a high R-value but can be difficult to install properly and doesn’t resist moisture as well as the other types of attic insulation.

Lx5 Insulators of Tulsa
3139 N Lewis Ave Tulsa OK 74110
(918) 626-0327

How Insulation Affects Home Insurance

Most homeowners’ insurance policies, known as HO-1, HO-2 or HO-3, offer protection against damage from named perils. However, many older homes may need coverage against additional risks that aren’t covered under the broad form of these policies. In these cases, a special policy called an HO-8 may be needed.

Gonz Insulation policies typically cover the dwelling, personal property and liability in case of a loss from named perils such as earthquake and flood. Unlike HO-1 and HO-2 policies, which are generally offered on an actual cash value basis, HO-8 covers the house at replacement cost plus a specified amount for personal property. Moreover, the policies also provide coverage for structures not attached to the house such as a garage or tool shed.

Keeping Pets Safe Around Insulation During Home Renovations

Energy efficiency upgrades such as improved insulation and energy-efficient windows can help the dwelling remain resilient to extreme weather conditions, reducing the likelihood of damage that might lead to claims. Furthermore, these improvements can increase the home’s value and appeal, resulting in higher market demand that could further lower premiums.

Unfortunately, despite its critical role in the home’s comfort and structural integrity, insulation is rarely covered by home warranty plans. This is because warranties only cover items that experience regular usage and have moving parts, while insulation doesn’t fit these criteria. Nevertheless, a proactive approach through consistent inspections and alternative coverage (such as energy efficiency programs or add-on coverage) can help address insulation problems before they get worse.

Gonz Insulation
504 Walnut St, Farmington, MO 63640, USA
573-203-7055

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