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Your guide to better insulation

Take a deeper dive into the benefits of proper insulation, what to get done and how to help pay for it.

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Your guide to better insulation

Take a deeper dive into the benefits of proper insulation, what to get done and how to help pay for it.

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Why is insulation important?

Many homeowners would be shocked to discover how much of their increasingly expensive energy is literally disappearing into thin air. Until relatively recently, new homes weren’t properly insulated and, even today, insulation in modern houses can often be improved. According to the SEAI, the average home, if not properly insulated, loses 30% of its heat through the roof and walls, plus a further 10% through poorly sealed doors, windows and floors. So almost half of the money you are currently spending on heating may be wasted, particularly if you are living in an older property.

What are the benefits of full insulation?

It doesn’t take long to recoup the costs of improving your insulation (particularly in attics and cavity walls) and a better insulated home will bring big savings to your energy bill, make your house more comfortable and add to its value. You can also take heart from the fact that, by properly insulating your home, you’re making a very positive contribution to tackling climate change. And if you’re planning any energy-related home improvements, such as solar power or a heat pump, it really is essential to get your insulation sorted too. Indeed, if there is only one thing that you can afford to do now to improve your energy efficiency and reduce your bills, better insulation is likely to be your easiest and most cost-effective option.

Where should I insulate?

Attic and roof Even if you already have an insulated roof, you may be losing heat if the insulation is insufficient, damaged or incorrectly installed. There are several options for insulation materials that you can discuss with your supplier, including semi-rigid insulation boards, glass/mineral fibre and multifoils. The best choice for your home will depend partly on the depth of your joists or rafters. If your attic is easy to access, doesn’t have any damp issues and is not a flat roof, you may want to carry out the insulation yourself. However, it’s essential that the materials are cut tight and installed without gaps, that ventilation openings are left clear, and that there is no risk of condensation, which can cause roof timbers to rot. So unless you’re very handy, arranging for professional installation is a safer bet.

Wall insulation If your house was built after the 1920s, it’s likely to have cavity walls – two walls with a gap which can be filled with insulation foam by drilling holes from the outside of the building. Older houses built before then are more likely to have solid walls made of brick or stone and can be insulated from the inside or outside. This costs more than insulating a cavity wall, but the savings are also likely to be bigger.

External insulation involves fixing materials such as mineral wool or expanded polystyrene slabs to the outer surface and then covering it with a special render embedded with a steel or fibreglass mesh. Internal insulation, also called dry-lining, usually involves attaching an insulation board to the walls and covering it with a vapour barrier layer and plasterboard. This usually costs less than external insulation, but will mean that you lose indoor space, which can prove problematic with fitted kitchens and appliances.

Floor insulation Older homes tend to have suspended timber floors. These can be insulated by lifting the floorboards and laying mineral wool insulation supported by netting between the joists. Newer homes tend to have concrete ground floors, which can be overlaid with rigid insulation. Floor insulation won’t bring the big savings that can be achieved through attic/roof and wall insulation but, if you want to tackle your insulation project comprehensively, every little bit helps.

Tanks, pipes and radiators One of the quickest and easiest ways of improving your insulation is to ensure that your water tank, pipes and radiators are properly covered and lagged. This is a relatively simple DIY job that you may want to carry out yourself, or arrange for one of our partners to sort out for you.

Anything else I can do?

Draught-proofing around windows and doors can also save you money every year and, if you have an open chimney, you can install draught-proofing for when you’re not using it. Draught-free homes are more comfortable when the temperature plunges outside, and you’ll probably find you can turn the thermostat down a little. Also, while it might sound like it’s flying in the face of everything else covered in this guide, you should ensure that your home benefits from good ventilation to avoid condensation, and the build-up of harmful pollutants. Your insulation supplier/installer can advise you on achieving a happy balance.

How much does insulation cost?

Clearly the cost varies hugely according to how well your house is currently insulated, plus its size and structure, and what you choose to do. But to give you a very broad idea of some of the costs, a cavity wall insulation for a detached home is likely to be around €1,500 to €2,500, while external insulation is likely to cost ten times that or more. Attic insulation costs vary according to size and the materials used – typically from about €1,500 to €4,000. Our partners will be able to give you a fully costed estimate for any work required – and remember that government grants and low-interest green loans can go towards covering your costs.

What kind of savings can I make?

According to the SEAI, you can save around €600 a year on energy bills through investing in proper attic and wall insulation – and that doesn’t take into account recent surges in energy prices. Good insulation should also significantly increase the value of your property.

Are insulation grants available?

A broad range of government-funded grants are available through the SEAI, depending on the type of insulation you wish to undertake and the size of your property. All homeowners (including landlords), whose homes were built and occupied before 2011 can apply. To give a few examples, if you live in a semi-detached house, you can claim €1,300 for attic insulation and €1,200 for cavity wall insulation. And if you live in a detached house, you can claim €1,500 for attic insulation and €8,000 for external wall insulation. Grants are also available for all types of property, and for internal wall insulation. To qualify for grants, the work and materials will need to meet certain quality standards, so ensure that you or your installer will be ticking all the right boxes before you proceed. If you receive welfare payments, you may also be eligible for a fully funded upgrade.
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