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A moisture or vapor barrier helps separate the warm air inside your home from the cold air outside of it. Without it, your walls could collect condensation, mold, or other damage. Check your local building codes to see if including an interior vapor barrier is necessary for your building project or renovation, especially for rooms that are likely to be humid, like bathrooms.

The primary reason that insulation saves you money over time is that it reduces your energy bills by making your home more energy efficient. A crucial part of an insulation system is a properly installed vapor barrier. Local building codes dictate whether your insulation requires a vapor barrier based on the type installed. While some high-quality wool insulation may not technically need a vapor barrier, most municipalities still require one to meet code.

Yes, insulating ductwork in a crawl space is a worthwhile investment, especially if you live in a colder climate or run your air conditioning for most of the year. Uninsulated ducts can lose up to 30% of their heating and cooling efficiency, which can significantly impact your electricity bill. The project is a relatively small investment and typically only takes a few hours. It's a particularly simple add-on if you are already hiring someone to insulate the entire crawl space. An added benefit is that insulated ducts put off less hot or cold air, making them less attractive to pests.

The primary downside of radiant barriers is their limited effectiveness in cold climates. They are designed to reflect radiant heat, making them less beneficial in cooler conditions where heat retention is more important. 

Radiant barriers require proper installation to maximize effectiveness. Incorrect placement can lead to minimal benefits. They also do not provide insulation, meaning they should be used in conjunction with traditional insulation for optimal energy efficiency.