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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.

The easiest way to cover your HVAC ducts during construction is to use painter’s tape to affix plastic sheets over your vents and air returns in the area of your home where construction will take place. Keep in mind that closing off a portion of your system can put strain on your blower motor and air handler, so either shut the zone off or shut your system off while construction is underway. If you shut the zone, you can also hang plastic sheets over doorways to separate the construction area and keep dust contained.

The most energy-efficient windows are double—or triple-pane windows with low-emissivity (Low-E) coatings and gas fills between the panes. These windows reduce heat transfer, prevent drafts, and help maintain a consistent indoor temperature. But if replacing windows isn’t in your budget, pairing your existing windows with insulating window treatments can still make a noticeable difference in home comfort and monthly bills. 

No, 55 degrees Fahrenheit is not too cold for a house, as it’s a temperature that will keep your pipes and appliances from freezing. Well-insulated homes can even go to 50 degrees, but check with an HVAC pro before opting for such a low temperature. Stick to 55 degrees to be on the safe side.