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Ideally, you can add new insulation to your existing insulation. However, some circumstances require you to remove old insulation before adding any new insulation: 

• If the insulation is over 15 years old

• If the insulation is wet or moldy

• If it is vermiculite insulation

• If you see signs of pest infestation

Removing old insulation is best left to a pro who can safely dispose of potential moldy or asbestos-ridden insulation.

The lifespan of crawl space insulation depends on how well you maintain your insulation and the type of insulation. Fiberglass will need replacing every 15 to 20 years on average if you don't have a vapor barrier in place. If you do have vapor barriers in place, then your insulation could last much longer. Spray foam insulation can last anywhere from 80 to 100 years. 

In some cases, yes, insulating an unheated garage can lead to mold and mildew. The issue with insulating a garage is that the interior will warm up and cool down more slowly than the exterior air, which can cause condensation inside the space. Where there is moisture, there is likely to be mold and mildew over time. Installing a vapor barrier can help avoid moisture and mildew problems in an insulated garage.

Regular inspections for moisture damage, pest infestations, and proper R-value performance help maintain efficiency.