Batt and roll, and loose-fill insulation are used most often to insulate attics in residential homes. Loose-fill insulation is the most cost effective insulation and provides excellent protection for most homes. All homes have insulation installed at the time of construction. Over time, insulation may become less efficient and may need to be re-installed.
Settling occurs in attic insulation, which causes it to lose its R-value and become less efficient. Settling is most common in loose-fill insulation, especially those made from cellulose. While rock wool or fiberglass loose-fill insulation has a 2 to 4 percent settling rate, cellulose has a 20 percent settling rate. When loose-fill insulation is installed properly, settling should not occur. However, if the attic cavity is not filled completely, settling may occur after several years.
Another cause of inadequate insulation in attics is a technique known as fluffing, which is caused by failure to install insulation to the minimum weight required by law. Fluffed insulation does not provide protection against the elements, as air passes through it easily resulting in heat loss and higher energy costs. Attic insulation settles soon after fluffing, causing insufficient amounts of insulation in the attic. According to the United States Department of Energy, fluffing is a common practice among dishonest contractors. Before hiring a contractor, get several bids and compare prices. Compare the amount of insulation used by your contractor to the instructions on the insulation bag to be sure it is accurate.
Gaps in your attic walls and around duct work can cause insulation loss. Failure to seal your home's duct work can result in insulation leaking outside or into your living space. Insulation also may be lost if it is drawn into air distributing devices in your home. Some people are sensitive to insulation when exposure occurs.