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The life span of insulation is between 20 and 100 years. At that time, existing insulation can fall victim to gravity, resulting in compression, which reduces its insulating protection or R-value. If you can't simply add more insulation over the existing material, removing the old to increase the effectiveness of the new can reduce your energy bills and make the project worth the time and money investment.

Three signs that you need crawl space insulation are drafts, high energy bills, and mold. Drafts can start in crawl spaces and cause hot or cold air to spread to the rest of your home through holes in the floors and walls. And even if your entire home is well-insulated, you can still feel an unchecked draft from your crawl space and in your utility bill. Uninsulated crawl spaces can let in air and moisture, and because they’re built directly on the ground and difficult to dry out, they are hotspots for mold and mildew.

Insulating an unheated garage can still be worth it. For instance, insulating an attached garage can help with heat loss from your house in general, and it can also make it easier to store electronics in your garage without worrying about them being exposed to extreme temperatures.

If you use your detached garage as a workspace, insulation can still make a difference. Plus, you can use space heaters and a window unit AC to help condition the space while you work without installing heating.

Mineral wool has an excellent life expectancy of up to 50 years, provided it's kept dry and free of pests. Compared to fiberglass, with a life span of 20 to 30 years, mineral wool stacks up well for long-term cost savings. Sheep wool maintains a similar life span to fiberglass, while estimates for hemp wool insulation life expectancies are all over the board, ranging anywhere from 20 to 100 years.