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If you need to insulate behind finished walls, the best option will likely be to have an insulation professional install blown-in insulation. The installation requires small holes cut in your wall, after which the installer can blow loose-fill insulation into the void. After the installation, you’ll have minor drywall patching, which shouldn’t cost more than $100. Compared to ripping down the existing drywall, using a different type of insulation, and replacing and finishing the drywall, this should save you hundreds or even thousands, depending on the size of the room you’re insulating.

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.

Insulating windows without plastic is usually the better method. Outside of simply replacing your windows, you could buy cellular shades, which trap air between the window and the home, add a window film that blocks UV rays and traps heat, or cover your windows with a low-emissivity coating called “low-E.”

Air duct insulation typically lasts for 10 to 15 years or even longer, depending on the material and maintenance. It's important to conduct periodic inspections to check for signs of deterioration, such as water damage, tears, or general wear. If you find any of these issues, it may be time for repairs or a full replacement. You might also consider upgrading your insulation even if it's in good shape to improve your home's energy efficiency and enhance your HVAC system's performance with newer, more effective materials.