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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. 

Homeowners insurance covers some damage caused by ice dams, but it depends on the type of damage. Insurance policies will often cover things like interior water damage, roof collapse, and actual shingle damage resulting from ice formation, but it depends on your policy. Check your coverage information or contact your insurer to find out what your plan covers. Keep in mind that any damage caused by implementing a DIY solution to remove ice dams likely won’t be covered.

Actually, condensation can mean that your windows are more energy efficient because the seal keeps cold air out and warm air in. In some cases, windows with poor seals can lead to more condensation, but they may allow the cold and warm air to mix and reduce condensation. If you’re worried about whether or not your windows are properly insulated, have a pro assess them.

If you have bubble wrap lying around the house and you don’t care about the odd look, taping bubble wrap over a window is a very affordable way to insulate it. Another inexpensive option for insulating windows is to add new caulk around the glass. This step quickly cuts down on air drafts for older windows, and a tube of caulk only costs a few dollars. Adding plastic shrink film around the glass is another cost-effective option. You can purchase a kit of plastic film for a few dollars per window.