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Insulation questions, answered by experts

It depends on your needs and preferences, though many homeowners think it is worth it. Not only is blown-in insulation easy to install, but it is highly efficient with thermal regulation. Most types are mold-resistant, flame-resistant, insect-resistant, and, most importantly, completely safe.

Yes, you should add an insulative cover to outdoor water spigots in the winter for better protection against freezing. Make sure to use waterproof insulating material—something like a towel or old shirt can actually make the faucet more prone to freezing when the material soaks up rain or snow.

Blown-in insulation works, but only for unfinished attics. Also, it isn’t the longest-lasting nor the most effective option. For better options, look into spray foam insulation or natural fiber batts. They typically have a longer lifespan, better heat resistance, and stronger sound-proof abilities. Spray foam insulation costs about $1.25 to $1.50 per square foot, but can go up to more than $4 per square foot. Fiber batt pricing varies depending on the material.

The most insulative type of insulation for behind drywall is spray foam insulation, but this is the most expensive insulation available. The most common insulation—sometimes considered the best for the value you get for the money—is fiberglass roll or fiberglass batt insulation, which is significantly more affordable but also far less insulative. The best kind of insulation for your house will also vary based on the climate in your area, your budget, and more. A professional insulation company can help you decide which type is best for your home.

Generally, the cost of ice dam removal is not covered by homeowners insurance because it is often considered preventable maintenance. However, the damage caused by ice dams is frequently covered. Depending on your policy, this can include interior water damage, roof collapses, and damage to shingles. Coverage for personal belongings affected by leaks may vary. It is important to check your policy details or contact your insurer to confirm what your plan covers. Keep in mind that any damage resulting from a DIY attempt to remove an ice dam will likely not be covered.

The Saint James, MD homeowners’ guide to insulation services

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