Insulate your home

A quarter of heat can be lost through an uninsulated roof, according to Energy Saving Trust (2022). 

Heat rises, so a poorly insulated loft or roof space will let heat leak out of your home. Cold outside air can also cool your house if it gets into roof spaces. 

As with the other forms of home insulation covered here, the type of insulation you need will depend on your property.  

Pitched or flat roofs and whether the space is used for anything are just some of the factors that will determine what you can do. 

The cost of loft insulation will depend on what your home needs. Again, speak with a professional who could also help you avoid any issues with damp or blocking necessary ventilation by mistake.

You could save money by fitting loft insulation yourself, if you know it's safe to work in the space and are sure there are no existing problems.

Walls account for as much as a third of all the heat lost in homes, according to Energy Saving Trust (2022).  Cavity wall insulation is one way of reducing this heat loss

Houses built from the 1920s/30s onwards usually consist of two brick walls with a space, or cavity, between them. If the cavity has no insulation, or is poorly insulated, then heat is more likely to escape through the wall.

Houses built before the 1920s are unlikely to have a cavity, as building techniques then involved just one solid wall. So, cavity wall insulation would not be an option. 

If your house was built in the 1990s or after, modern building standards mean they will have insulation in the cavity already. 

If you’re in any doubt, a builder or energy assessor would be able to tell you how your walls are constructed and explain insulation options if you don’t have a cavity wall. 

The cost of cavity wall insulation will depend on the size of your home and the type of insulation. Budget for around £22 - £26 per square metre for foam insulation, or £13 - £18 per square metre for glass wool insulation according to Checkatrade (2022). A qualified tradesperson will explain what type of insulation suits your home and how long it will take to fit.

Your floors could also be a source of heat loss. Cool air circulating below your floor, deliberately perhaps for ventilation purposes or because of damage to the property, can make the rooms above colder.

Just like wall insulation, your options will depend on your home, including how your floors are constructed and whether there is an accessible space below them, e.g., through an existing hatch or cutting floorboards to get access beneath.

If you have floorboards with space below, then suspended under floor insulation could be an option. This works by fixing a net to the wooden joists your floor rests on, and then filling that net with insulating material. 

If the crawl space below the joists is accessible and deep enough to enter it might be possible for a fitter to do this with minimal disruption. Otherwise, you may need to clear your room of furniture and floorboards will be lifted to fit the insulation from above. 

If your flooring is laid on concrete, then you could install insulating board on top of the concrete. If you have a carpet, then a thicker underlay could add further insulation.  

As with walls, you need to make sure there’s no existing damp problems or a risk that the wrong insulation could lead to damp forming. Speak to an expert before any insulation work begins.

The cost of suspended underfloor insulation can vary depending on how much time is needed to do the work, as well as materials, so get a few personalised quotes from professional installers.