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You should insulate ducts in a crawl space if you live in a colder climate or you run your air conditioning for most of the year. Insulating ducts doesn't take too much time or investment and can make a big difference on your electricity bill. While this is more difficult in a crawl space, if any ductwork is being done either you or a professional will be down there anyway. A bonus benefit is since they will be putting off less hot or cold air they'll be less attractive to any unwanted pests in the home.

Homeowners insurance covers some damage caused by ice dams, but it depends on the type of damage. Insurance policies will often cover things like interior water damage, roof collapse, and actual shingle damage resulting from ice formation, but it depends on your policy. Check your coverage information or contact your insurer to find out what your plan covers. Keep in mind that any damage caused by implementing a DIY solution to remove ice dams likely won’t be covered.

Yes, there are government incentives available in some regions for insulating air ducts as part of energy-efficient upgrades. These incentives aim to encourage homeowners and businesses to improve energy efficiency and reduce their carbon footprint. To determine whether you qualify for such incentives, check with your local utility company or government agencies. They often offer rebates, tax credits, or other financial incentives that can help offset the cost of duct insulation projects.

While more is seemingly always better when it comes to energy efficiency, your house does need some interaction with its environment. Adding too much insulation can affect your home's ability to breathe. Breathing simply means ventilating itself to reduce accumulated moisture within it. Too much insulation can physically block the venting ability or be enough to trap the moisture and damage the insulation or the house.