Residential Insulation FAQs

Insulation FAQs

Find immediate answers to your questions with these residential insulation FAQs.

Q: What type of insulation do I need?

A: The type of insulation you need depends on where it will be installed, what R-values are required, and your budget. The U.S. Department of Energy recommends different R-values for different zones. In Arizona, a homeowner can get away with using R30 in their attic, whereas the same home in Minnesota would require R49.

Q: What is loose-fill fiberglass?

A: Loose-fill fiberglass insulation is typically blown into unfinished attics, nonconforming spaces and hard-to-reach areas, as this effectively fills all the nooks and crannies of the framing bay. Loose-fill, also known as blown-in insulation, provides better performance than batts because it is much less likely to leave any gaps.

Q: What is an R-value?

A: “R” stands for resistance to heat flow. The higher the R-value, the greater the insulating power and in turn, your energy savings. As mentioned previously, determining the R-value for your residence depends greatly on where it will be installed, and your budget.

Q: Are there rebates or other incentives available for insulation projects?

A: Yes! Government agencies, utilities, and others offer a variety of tax credits and other incentives to support energy-saving upgrades. You may already be aware, but in Arizona, SRP offers their customers a rebate of 75% of the insulation costs (up to $400). APS offers a rebate up to $250. Federal tax credits may also be available.

Q: Can insulation help increase my home’s property value?

A: Yes! Adding insulation to your attic, per this year’s Cost vs. Value report, can generate a 107.7% return on investment should you ever decide to sell your home. This project may also reduce your heating and cooling costs by up to 30 percent and make you eligible for a federal tax credit.

Q: How can we find an insulation contractor?

A: The best course of action is to contact Banker Insulation. When you call, you will be greeted by a member of our friendly staff who will assist you with your energy efficiency project, and help you investigate and receive any applicable insulation rebates. To better assist you, we have over 18 locations throughout the Southwest.

How to Insulate an Attic

insulate an attic

Heating and cooling, according to the U.S. Department of Energy, accounts for more than half of the energy consumed in an average home. This means that an attic that is not properly insulated could be costing you big bucks as heat rises. Taking steps to prevent this loss is good for the environment, good for you, and good for your wallet. Use the following information to insulate an attic.

How much does it cost to insulate an attic?

According to this year’s Cost vs. Value report, which compares the average cost of 29 popular home improvement projects with the value those projects retain at resale in 99 U.S. markets, hiring a contractor to install insulation in your attic will cost $1,343. On the upside, you will see a 107.7% return on investment (ROI), should you ever decide to sell or refinance your home. In addition, you may qualify to receive a federal tax credit of 10% of the cost, up to $500.

How much material do I need?

That depends. Insulation levels are specified by R-value. R-value is a measure of an insulation material’s ability to resist heat flow. Higher R-values are required in colder areas, whereas, R-38 is the recommended value for temperate and hotter climates. Take a look at ENERGY STAR’s recommended home insulation R-values guidelines for more information. Keep in mind that R-values vary depending on material.

Armed with this information, you will then want to measure the length and width of your attic to determine how many square feet of insulation you’ll need. To complete this job, you may also need other materials, such as silicone caulk, metal flashing, and weatherstripping, as it is important to first seal off any existing air leaks or drafts. Sealing off these leaks will provide benefits for years to come.

Tips for Working in the Attic

  • Have a plan in place. The key to any successful project – especially a project of this magnitude – is adequate planning. Before beginning, gather all necessary tools and supplies, including a flashlight. You’ll also want to ensure the area is well-lit by using a work light.
  • Protect yourself. Insulation can be itchy and irritating to the skin, as well as harmful to the lungs, which is why it’s important to wear the proper gear to protect yourself. We recommend wearing safety googles, work gloves, a face mask, and a lightweight disposable coverall in addition to using knee pads.

3 Steps to an Insulated Attic

Step 1: Seal Air Leaks

The U.S. Environmental Protection Agency (EPA) recommends that you or a professional air seal your attic before insulating it. There are many benefits to air sealing including reducing heating and cooling costs, improving durability, increasing comfort, and creating a healthier indoor environment. Caulking and weatherstripping are two effective air sealing techniques that offer quick returns on investment.

Step 2: Choose Your Insulation

Loose Fill Insulation – No one says you have to use the same type of insulation that currently exists in your attic when adding additional material. You can easily use loose fill on top of fiberglass batts or blankets. If you choose to use loose fill insulation, it may be in your best interest to hire a professional as this type of material requires specialized machines and techniques.

Batt Insulation – Laying fiberglass rolls is an easy to moderate do-it-yourself project. Sold in various widths, this type of insulation is designed to fit easily within most typical joists, although layering is required to get the proper R-value for your zone. When laying down additional insulation, work from the perimeter, moving towards the attic opening. Never lay insulation over recessed light fixtures or soffit vents.

Step 3: Create Barriers

No matter the material, if you’re installing insulation near recessed lights or soffit vents, you’ll want to use sheet metal or wire mesh to help create a barrier. Insulation and recessed light fixtures do not mix! Some recessed lights, however, are designed for “insulation contact” or “IC,” in which case no barrier is required. Check the fixture first before installing insulation.

Winter Energy Saving Tips

energy saving tips

Save money this winter with these energy saving tips.

Upgrade to LED

LEDs are extremely energy efficient, consuming 90% less power than incandescent bulbs, and lasting 50,000 times longer. Although LEDs have a higher initial cost than more traditional lightbulbs, like incandescent and compact fluorescent, the cost is quickly recouped over time in lower electricity costs. LEDs are also made from non-toxic materials, generate virtually no heat, and are 100% recyclable.

Invest in insulation

Hundreds of dollars in energy costs are lost each year due to escaping heat and cold in homes without proper attic insulation. With added insulation your home becomes much more energy efficient. This will reduce the costs associated with heating and cooling your home. Other benefits of insulating your home include increasing sound control, regulating the temperature, and making your living environment more enjoyable.

Keep your air filters clean

When is the last time you changed your air filters? Changing air filters is critical to the proper performance of your heating, ventilation, and air conditioning (HVAC) system, not to mention your home’s indoor air quality, as well as lowering your monthly heating and cooling bills. ENERGY STAR recommends changing air filters every month or every three months if you invest in HEPA quality filters.

Install a programmable thermostat

A programmable thermostat helps you save energy and reduce your carbon footprint, therefore helping the environment, by automating your home’s temperatures without sacrificing your comfort. When programming your thermostat, consider when you normally go to sleep and wake up, as well as the work/school schedules of everyone in the household. This will provide you with the most savings.

Adjust the thermostat at night

According to the U.S. Department of Energy, you can save up to 10 percent per year on your heating and cooling bills by simply turning your thermostat down 7 to 10 degrees when you are asleep or away from home. During the winter, they recommend setting the thermostat to 68˚F, and during the summer to 78˚F when you’re awake and need heating or cooling.

Use ceiling fans to your advantage

Good ventilation and airflow equal increased energy savings. If your home has ceiling fans, table fans, floor fans or any combination of these, you have more control over ventilation than you may realize. Setting your fan’s blades to move counter-clockwise will push hot air up in the summer, and setting them clockwise will trap heat inside the rooms where they are, keeping them warmer during the winter.

Everything You Need to Know About Attic Insulation

attic insulation

Would you like to save on home energy costs?

By adding attic insulation, you are provided with some of the largest opportunities to save energy in your home, as well as maintain a comfortable temperature throughout much more efficiently. Whether it is summer or winter, adding attic insulation makes your house a lot more livable, while saving you some much needed dough.

In addition, according to Remodeling magazine’s 2016 Cost vs. Value report, adding attic insulation is the #1 home improvement project with the best return on investment (ROI). In fact, attic insulation was the only home improvement project to provide over a 100% return on investment, recouping you 116.9%.

There are also several tax credits you should be aware of. According to ENERGY STAR, typical bulk insulation products like those mentioned below, qualify for a federal tax credit amount of 10% of the cost; up to $500. This tax credit is available for purchases made in 2016, as well as retroactive to purchases made in 2015.

  • Rolls
  • Batts
  • Rigid boards
  • Blow-in fibers
  • Pour-in-place
  • Expanding spray foam

Fiberglass, cellulose, mineral wool, spray foam, foam board, and cotton batting all qualify for the energy tax credit as long as its primary purpose is to a) insulate and b) bring your home up to recommended R-value guidelines. For insulation recommendations tailored to your home, visit the DOE’s Home Energy Saver Tool.

Products that reduce air leaks such as weather stripping, canned spray foam, caulk designed specifically for air sealing, and house wrap also qualifies for these tax credits as long as they come with a Manufacturers Certification Statement. Professional installation costs are NOT included.

Should I Invest in Attic Insulation?

If your home experiences any of the following symptoms, you may want to consider adding adequate levels of insulation to your home’s attic space, along with its interior walls, floors, and crawl spaces. Note that the EPA recommends air sealing the attic using any one of the aforementioned products before adding insulation.

  • Drafty rooms.
  • Hot or cold ceilings or walls.
  • High heating or cooling costs.
  • Uneven temperatures between rooms.
  • Ice dams in the winter (where applicable).

Determining Proper Insulation R-Values

Understanding an insulation material’s R-value – a measure of how well it resists the flow of heat – is very important. The higher the number, the better the insulating power, and the more energy you will save. If your home is not properly insulated – which is often the case in Arizona – the higher your energy bills will be.

Recommended R-values are 30 to 60 for most attic spaces, according to the U.S. Department of Energy, with R-38 (or about 12 to 15 inches, depending on material type) being considered the “sweet spot.” In colder climates like Flagstaff, Prescott or Payson, go for R-49.

Professional Installation by Banker Insulation

As a locally owned and operated insulation contractor, servicing the entire state of Arizona, we take great pride in all aspects of what we do. We specialize in both residential and commercial insulation installs. No job is ever too big or small for us to handle and we happily provide free in-home estimates. Contact us today to learn more.

How to Determine Insulation’s R-Value

insulation's R-value

Understanding the insulation’s R-value – a measure of how well it reduces the flow of heat and cold into and out of your house – is very important. If your home or business is not properly insulated, which is often the case in Arizona, the more expensive your home energy bills. However, you should consider increasing the R-value of insulation for more reasons that just high energy bills, although that alone is a big selling point.

Ensuring the proper R-value of insulation will not only make your home more energy efficient – lowering heating and cooling costs – but, it will also make it more comfortable and healthier for all occupants. As you will see below, of all the insulation types, foam insulation carries the highest R-values per inch. Other benefits of insulation, regardless of type, is sound dampening.

To determine the R-value of insulation in your home, you will first need to know the R-value of your current insulation material, as well as how many inches exist. Insulation often decreases over time due to a number of factors. Depending on where you live in the Grand Canyon State is also of importance. Warmer areas can do with lower R-values (R-30 – R-49) while colder areas, like Flagstaff, require higher levels (R-49 – R-60).

Insulation’s R-Value by Type

The R-values per inch of the most common types of insulation are as follows:

  • Fiberglass (loose): 2.2-2.7
  • Fiberglass (batts): 2.9-3.8
  • Cellulose (loose): 3.2-3.8
  • Rock Wool (loose): 3.0-3.3
  • Foam (sprayed): 3.2-6.5

Installation of Insulation

At Banker Insulation, we value your time, which is why we’re dedicated to ensuring installation is scheduled at time most convenient for you. Typically blown-in insulation projects can be completed in two to four hours depending on location. However, it’s important to note that sprayed-in foam insulation, and more extensive projects can take a bit longer to install. We do not consider a job complete until it’s met with your satisfaction. Contact us today for a free estimate: (602) 273-1261!

*Source: U.S. Department of Energy

Home Insulation Benefits

home insulation benefits

A kaleidoscope of colors can be found right outside your door. Pumpkin flavored coffee, scones, and pies are readily available. Halloween candy and decorations fill the stores. Now that fall is officially here, and winter isn’t too far off, it’s the perfect time to make sure your house is prepared for the cold weather ahead.

One of the most telling signs of a poorly insulated house is when you notice your energy bills are sky high, but your house remains chilly enough to warrant you donning a sweater, and sipping on hot coffee just to stay warm. If this sounds familiar, insulating early on (before winter), is the smart choice.

When you see the home insulation benefits, you’ll wonder why you didn’t add insulation earlier.

You’ll Save Money

You’ll save quite a bit of money on electricity bills by getting a head start on insulating your home. Insulation, done right, makes your home more energy efficient thus lowering your energy consumption – and bills. If you insulate your home early on, you will start saving money the moment you turn the heater on, which is when Jack Frost appears. That will allow you to save more for the holidays.

You’ll Get a Head Start on Home Repairs

When it comes to caring for your home, your car or even yourself, waiting until a problem grows is never a good idea. Getting a head start on the situation will save you some time and money. Insulation is no different. Installing it when the weather is still pleasant will ensure your comfort during the winter months. Insulating in the fall will also save you money on installation costs and, as mentioned previously, electricity bills.

You’ll Soundproof Your Home

One of the most overlooked values of insulation is soundproofing. Adding insulation to the walls and ceiling of offices, home theater rooms, nurseries, and bedrooms is a sound choice. Insulting exterior walls can lessen or eliminate uncontrollable noise from sources such as obnoxious neighbors, traffic, construction, etc. from entering your home and ruining your rest and relaxation.

Ready to get started? Contact Banker Insulation today: (602) 273-1261!

Fall Preparation

fall preparation

Despite continuing triple-digit temperatures here in the Valley of the Sun, fall is just around the corner, which means cooler weather is on its way. As we enjoy our last few blissful weeks of summer, it’s wise to start getting our homes ready for the season ahead before it sneaks up on us. Here are a few projects you can complete in preparation of the fall season. Bring on the pumpkin spice lattes!

Interior Maintenance

  1. Check for drafts. Stay warm, save energy and reduce your heating bills this fall by visually examining your home’s windows and doors for obvious issues, such as gaps and cracks. Other sources of drafts may include, but are not limited to, knee walls, attic hatch/opening, wiring holes, plumbing vents, and recessed lights. Fall is a great time to seal and/or caulk around all gaps and cracks to prevent drafts.
  2. Install a programmable thermostat. If you haven’t already, purchase and install a programmable thermostat. Already have one? Be sure to check the temperature settings. Setting the thermostat to automatically lower the temperature at night and when you’re not home, can result in increased energy efficiency, and substantial cost savings.
  3. Have your heating system inspected. Hire an HVAC professional to inspect your heating system. They should test for leaks, check system efficiency, and change the filter. If your system runs on gas, they will also check for carbon monoxide in the air, in order to ensure air safety. It is also a good idea to changer your return filters monthly during the fall and winter months.
  4. Keep yourself and your family safe. Replace the batteries in all smoke detectors, heat detectors, and carbon monoxide devices. Test each one to make sure they’re working properly. You may also want to draft or review a fire safety plan with your family. The NFPA is a good resource for fire safety plan information.
  5. Ensure adequate levels of insulation. Insulation is another important way to prepare your home for fall and winter. According to the Department of Energy, “In winter, heat in your home will try to flow directly from all heated living spaces to adjacent unheated attics, garages, basements, and even to the outdoors.” This can cause your heating system to work harder than it needs to, decreasing your home’s efficiency, and costing you money. For a toasty warm home, make sure your home has adequate levels of insulation by contacting a professional insulation contractor.

Exterior Maintenance

  1. Clean the gutters. It is a good idea to remove leaves and other debris from your gutters once in the fall and again in the spring to avoid overflow and damage. Debris-ridden gutters can tear away from your house, overflow, or even damage your foundation – potentially costing you thousands of dollars’ worth of trouble. You can have your gutters professionally serviced or clean them yourself.
  2. Do a roof check. Inspecting your roof is one task that’s easy to overlook. Don’t! From the ground, you can visually inspect your roof for signs of deterioration, damage, and/or loose or missing shingles. Look at the condition of the flashing too. Back inside (preferably in the attic), check for daylight peeking through the rafters.
  3. Spring for a chimney sweep. If you have a wood-burning fireplace, that you plan on using come winter, fall is the perfect time to make sure its chimney and vents are inspected and cleaned. Search for a certified chimney sweeper at Chimney Safety Institute of America.
  4. Gear up on winter essentials. If you live in a part of Arizona that experiences snowfall or have plans to visit the snow, then you may want to restock on winter essentials, like ice melt or salt before the first winter storm hits. Replace damaged or worn shovels, sleds, and other winter toys well ahead of the crowds.

Top 5 Reasons to Insulate Your Home

insulate your home

Image Courtesy of Owens Corning

Unless your home was specifically designed and constructed to be energy-efficient (and even then), you could probably stand to add more insulation, which works to effectively reduce your energy bills and save you money.

The signs of an inadequately insulated home include significantly high energy bills, and a cold house in the winter or a sauna in the summer, among other conditions. Here are some reasons why you should consider adding insulation to your home.

Your Home Was Built Before 1980

Did you know that most homes are under-insulated? It’s true. Research conducted by Boston University, in partnership with the North American Insulation Manufacturers Association (NAIMA), estimates that approximately 90% of all existing homes in the United States are under-insulated.

Under-insulated homes waste energy and money, harm the environment, and negatively affect the comfort of homeowners. A great place to start improving your home’s insulation is in the attic. Adding insulation to the home’s walls and ceilings is also a simple and effective way to increase energy efficiency.

To Ensure Your Comfort

Inadequate insulation can result in inconsistent temperatures. It might be a bedroom that is especially cold or a living room that is uncomfortably warm. Stepping into a room that is either colder or warmer than other rooms is a sure sign of an insulation issue. Another common problem that may cause this is air leaks. You may find air leaks in your attic, walls, and around window and doors.

High Energy Bills

Because heating and air conditioning typically account for a significant portion of your energy consumption, a spike in your energy bill may signal the fact that the HVAC system is working harder than it should to account for rooms with varying temperatures, depending on the season. Ensuring adequate insulation helps to regulate the temperatures in your home thus resulting in lower energy bills.

Noise Reduction

Nosie from sources occurring inside and outside your home can be lessened with insulation. Adding insulation to the walls of offices, home theater rooms, nurseries, and bedrooms is a sound choice. Insulating exterior walls can lessen or eliminate uncontrollable noise such as loud neighbors, traffic, construction, etc. from entering your home and ruining your peaceful slumber.

Upcoming Home Improvement Projects

For the best R-values (thermal resistance) plan to add to, or replace existing insulation during a remodel in areas where framing is exposed. Home improvement projects such as replacing drywall, adding new siding, refinishing an attic or installing a new roof, offer the perfect opportunity for adding or replacing insulation. You want your home to be as comfortable and energy efficient as possible.

8 Ways to Reduce Energy Expenses this Summer

Reduce Energy Expenses

A major factor that all homeowners must deal with – particularly in Arizona, is the rising cost of energy consumption. While Valley residents might have to deal with triple-digit temperatures, they don’t necessarily have to deal with triple-digit energy bills, or sacrifice their comfort. Here are a number of ways to reduce energy expenses in your Arizona home this summer. Bonus: You will be protecting the planet at the same time you’re saving money.

Set the thermostat between 78 to 80 degrees when you are home and up to 85 degrees when you are away. For every degree you set your thermostat above 80 degrees, you can save approximately 2 to 3% on cooling costs, according to SRP.

Install a programmable thermostat and watch your energy savings add up*. Set it to reflect 78 to 80 degrees when you are home and above 80 when you are away for annual savings of 10 to 30% on the cooling portion of your energy bills.

Turn your thermostat to “auto”. This makes sure that the fan only runs when the air conditioner is running rather than running 24-hour a day, 7-days a week, as is typically the case when the thermostat is set to “on”.

Routinely change your air conditioner’s air filter. Many people install their air filter and forget about it. But when filters become clogged with dirt and dust, your air conditioner has to work harder, thus raising your energy bills. You should change your filter once every 30 days during the summer months.

Turning lights off when you leave a room is a good way to save energy and, thus, lower your energy bill. Your actual savings depends on the type of lightbulbs you use, according to the U.S. Department of Energy.

Switch to an “off-peak” energy-rate plan. These plans reward customers with reduced pricing for using energy during periods of time considered off-peak. Many electricity companies throughout Arizona offer assorted plans.

Seal air leaks. Caulking air leaks can save you up to 20% on your monthly cooling bill. You can also use spray foam. Focus on the windows and doors first followed by electrical outlets, switch plates, vents, electrical or gas service entrances, and attic hatches.

Invest in attic insulation for lower energy bills. You can save an estimated 10 to 30% off your monthly energy bill by properly insulating your attic. The higher the product’s R-Value (thermal resistance), the greater the savings.

*When used properly.

Home Cooling 101

Home Cooling 101: A comprehensive infographic from the U.S. Department of Energy not only explains the basics about air conditioning and other cooling systems, but also provides recommendations to consider, such as ventilation and how to effectively lower your cooling costs thus lowering your monthly expenditures.

This Home Cooling 101  infographic is a great resource to ensure that you and your loved ones remain comfortable even as the temperatures outside hover above 110-degrees. And remember: One of the most cost effective methods for cooling your home is to ensure its proper insulation as this will prevent warm air from intruding.

Home Cooling 101