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Three signs that you need crawl space insulation are drafts, high energy bills, and mold. Drafts can start in crawl spaces and cause hot or cold air to spread to the rest of your home through holes in the floors and walls. And even if your entire home is well-insulated, you can still feel an unchecked draft from your crawl space and in your utility bill. Uninsulated crawl spaces can let in air and moisture, and because they’re built directly on the ground and difficult to dry out, they are hotspots for mold and mildew.

While not every wall requires a vapor barrier, if you do need one and don’t install it, moisture can get between the walls of your home. This can lead to water damage from mold growth or rot, and the excess moisture could also attract pests, including termites, cockroaches, or ants.

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. 

Adding insulation to ceilings is an excellent way to increase the energy efficiency of your home. If your home's layout is such that you need insulation in the ceilings rather than in the roof, it's likely that at least some insulation already exists in the space. However, each additional inch of insulation you can add boosts the R-value by between 2.2 and 4.2.