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Yes, covering exposed wires is necessary for several important reasons. Exposed electrical wires pose significant risks, such as electrical shocks, fires, short circuits, and potential damage to your home’s electrical system. By properly insulating and protecting the wires, you can minimize the potential for accidents, prevent electrical fires, and ensure your electrical system stays intact. 

If you need to insulate behind finished walls, the best option will likely be to have an insulation professional install blown-in insulation. The installation requires small holes cut in your wall, after which the installer can blow loose-fill insulation into the void. After the installation, you’ll have minor drywall patching, which shouldn’t cost more than $100. Compared to ripping down the existing drywall, using a different type of insulation, and replacing and finishing the drywall, this should save you hundreds or even thousands, depending on the size of the room you’re insulating.

Yes, exposure to fiberglass insulation can cause harm to your skin and eyes. However, this typically refers to the fiberglass insulation that is mostly used in walls and attics. Fiberglass doors don’t pose risks for fiberglass exposure because they're fully encased in polymer cladding.

The R-value is a rating that measures an insulation's thermal resistance—in other words, how well it insulates. A higher R-value provides more protection for your pipes, and all pipe insulation materials should have an R-value listed on the product description or label. Each insulation type has its own R-value, which typically falls between one and five for most pipe insulation. When making a selection, Energy.gov recommends choosing a pipe wrap that is at least one inch thick, and the International Code Council (ICC) suggests choosing a material with an R-value of at least 3.