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The best type of attic insulation depends on where you live, your budget, and what stage of construction the attic is in. For example, if you're building a house, then structural insulated panels are a worthy investment since they're easy to install during construction and they're the most energy-efficient type of insulation.  

Additionally, if you live in a very warm climate, then you can potentially save quite a bit of money by opting for reflective insulation, which is more affordable than comprehensive insulation but doesn't work well for cool climates. Blown-in, loose-fill, and spray foam insulation are all great options for attics in moderate climates.

According to a report from Energy.gov, radiant barrier installations can save between 5% and 10% on your energy bill each month that your HVAC cooling is in operation. That fact can mean savings of up to more than $325 per year for homes that experience frequent direct sunlight and high summer temperatures. 

Yes, insulating ductwork in a crawl space is a worthwhile investment, especially if you live in a colder climate or run your air conditioning for most of the year. Uninsulated ducts can lose up to 30% of their heating and cooling efficiency, which can significantly impact your electricity bill. The project is a relatively small investment and typically only takes a few hours. It's a particularly simple add-on if you are already hiring someone to insulate the entire crawl space. An added benefit is that insulated ducts put off less hot or cold air, making them less attractive to pests.

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.