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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.

If you feel your energy bills are too high or your HVAC system is working harder than necessary to maintain the correct temperature in your home, you may have an under-insulated home. If you’re unsure, consider having your system’s efficiency assessed by a local independent energy auditor.

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.

One of the clearest signs that your insulation isn’t working as well as it should be is a noticeable difference in temperature throughout your home. One room might feel icy while another is hot as Arizona—this indicates that some parts of your home are either retaining or losing heat more than others. Additionally, a sudden increase in your energy bills, evidence of pests or rodents, or evident water damage are other signals that warrant a thorough inspection of your insulation and potential replacement.