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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.

Yes, basement insulation needs a vapor barrier due to its susceptibility to moisture seeping in from the outside of the house. You should install a moisture barrier before you install insulation or purchase insulation that comes prebuilt with a moisture barrier to avoid water damage in your insulation and costly mold and water remediation expenses. 

If you’re a savvy DIYer around the house, own the basic tools, and have enough time on your hands, you can definitely install fiberglass insulation yourself. Doing the work yourself will certainly keep overall insulation costs down. However, if you’re not confident in your handy skills around the house, call in a professional.

Heat lost through uninsulated basement walls can account for up to 30% of the total energy lost through heat transfer to the outdoors. While homes in mild climates won't gain as much benefit from having an insulated basement as those in cold climates, the effects are still noticeable on your energy bill.