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Insulation questions, answered by experts

Unfortunately, pipes can freeze when exposed to prolonged freezing temperatures, whether or not you have installed insulation covers. Insulation covers, however, are still an excellent idea as they can reduce the chance of your pipe freezing by keeping the pipes closer to the temperature of the water inside the pipe.

Don’t install insulation near water heaters, oil burners, or any other object that gets hot. Many insulation materials are fire-resistant, but not entirely fire-proof, so you should take precautions to keep hot things away from fiberglass. This is also why it is imperative to box off lighting fixtures and breaker boxes.

One of the disadvantages of soffit vents is they can bleed warm air from the attic during winter, resulting in slightly higher energy bills and a colder house. There are ways to mitigate this effect—mostly just closing the vent in the fall. What’s most important is your attic is ventilated to some degree in the winter.

The best R-value for home insulation depends on where you live and where you’re installing the insulation. Your climate zone plays the biggest role in determining the correct R-value, so be sure to know which zone you live in when determining the R-value you need.

Generally, the cost of ice dam removal is not covered by homeowners insurance because it is often considered preventable maintenance. However, the damage caused by ice dams is frequently covered. Depending on your policy, this can include interior water damage, roof collapses, and damage to shingles. Coverage for personal belongings affected by leaks may vary. It is important to check your policy details or contact your insurer to confirm what your plan covers. Keep in mind that any damage resulting from a DIY attempt to remove an ice dam will likely not be covered.

The Velma, OK homeowners’ guide to insulation services

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