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Yes, crawl space insulation is worth it if installed correctly. Installing insulation in your crawl space will improve the air quality, help stabilize your home's temperature, lower your energy bills, and prevent pests from entering your home. Though you’ll pay more to install insulation initially, the savings you get from installing insulation can help offset those initial costs over time.

Yes, cold walls are a common indicator of poor or inadequate insulation, especially if the walls feel significantly colder than the air in the room. This suggests that heat from your furnace is escaping rather than being retained. The issue could be that the walls have no insulation, or that the existing insulation is old or has been damaged by water, moisture, or pests. Your best course of action is to hire a professional to investigate. An insulation contractor can determine if you need to add or replace insulation and can often perform the work without creating large holes in your drywall. If you suspect the problem might also be related to your heating system's performance, an HVAC technician can take a closer look.

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.

You do not always need to remove old insulation before adding new. If the existing insulation is in good condition—not wet, physically damaged, moldy, or infested with pests—you can add new insulation directly on top of it for a compounding effect. You can also mix different types, such as adding blown-in insulation around existing fiberglass batts.

However, removal is recommended if the old insulation is compromised by water damage or pests. You should also remove it if you plan to install a different type of insulation, like switching from roll or batt insulation to spray foam. If the existing insulation is very old or damaged, you will likely get more benefit from removing it and starting fresh.