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At a minimum, blown-in insulation lasts 20 to 30 years. Cellulose and sheep’s wool come from natural materials, so they likely max out at around 30 years. Fiberglass and rockwool feature artificial materials that boast lengthy lifespans, up to 50 years, or even longer in some cases. As always, this timeline assumes you don’t run into any issues, such as flooding or mold, that shorten the lifespan.

Yes, it is possible to have too much insulation, which can have detrimental effects. While more insulation might seem better for energy efficiency, a home needs to "breathe" or ventilate to release moisture that accumulates inside. Over-insulating can seal a house too tightly, trapping water vapor and leading to several problems, including mold, mildew, and condensation. Homes in warm, humid climates are particularly susceptible to mold, while those in colder climates can experience condensation from temperature fluctuations. Additionally, adding more insulation than the recommended amount for your climate may not provide recoverable energy savings. To avoid these issues, consult a professional insulation contractor who can determine the optimal amount of insulation for your home.

In some areas, insulation companies require a special license, while some states only require them to hold general contractor licenses. Some municipalities may not mandate any license, although you should always ensure a contractor is fully insured. You can use Angi’s license lookup tool to confirm whether or not an insulation contractor you’re considering holds the necessary license for your area. You can also contact the company for information regarding licenses, certifications, and insurance.

Buying a house with vermiculite insulation is not recommended without going through a proper testing process. Vermiculite insulation can potentially contain asbestos, which poses health risks when disturbed. While it is possible to purchase a home with vermiculite insulation, you should have it tested for asbestos, and ensure proper containment if asbestos is present. If asbestos is present, you will want to hire a professional to remove it, ideally before you move in.