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Home insulation to reduce home heat loss

Roof and loft insulation

Loft insulation reduces heat loss through the roof, helping to keep your home warmer and cut your energy use.

At a glance

  • Homes can lose around 25% of their heat through an uninsulated roof.
  • Adding or topping up insulation keeps heat in, reduces heating demand and can lower your energy bills.
  • Flat roofs, homes with damp issues or lived‑in lofts usually need professional advice.

Did you know an uninsulated home loses around 25% of its heat through the roof?

That makes loft and roof insulation an effective way to reduce heat loss and your heating bills. If installed correctly, loft (or attic) insulation has a lifespan of around 40 years. This means it should pay for itself many times over, making it cost-effective.

Here we look at some of the most common questions about insulation, including whether you can tackle the job yourself.

News: how will the Warm Homes Plan impact insulation?

The Warm Homes Plan is set to invest close to £15 billion in improving the UK’s homes to cut energy bills.

For people on low incomes, there’ll be fully funded government support to install insulation.

There’ll also be low and zero-interest loans available for homeowners regardless of income.

We’ll update this guide when we know more.

For more information, read our blog on what the Warm Homes Plan means for you.

What is loft or roof insulation?

Loft and roof insulation is an extra layer of material that reduces heat loss through your roof. It keeps heat in, reducing the need to keep heating your home to compensate for warmth escaping into your loft space, or outside.

Can I insulate my roof or loft?

Yes: in most cases, you can insulate your loft. It’s a very effective way to improve your home’s energy efficiency. Many homes already have some loft insulation but topping it up can help retain more heat. If your current insulation is around 120mm thick, increasing to the 270mm (the minimum recommendation for new builds) could save you on your energy bills:

  • £20 per year in Great Britain (GB).
  • £20 in Northern Ireland (NI).

However, there are some situations that need specialist techniques and so aren’t suitable for DIYers. Speak to a professional installer if you:

  • have a flat roof
  • use your loft as a living space
  • have concerns about damp or structural issues

What is loft insulation made of?

Common insulation materials include:

  • Fibreglass
  • Mineral wool
  • Foam boards
  • Natural fibres (eg cork or wood)

What should I consider when installing loft insulation?

Before you start insulating your loft, here are a few things you should consider.

What are the benefits of loft insulation?

Insulating your loft, attic, or roof will help reduce the heat lost through the roof, keeping your home warmer and saving you money. Benefits include:

  • Saving around £20 a year in Great Britain (GB) and £20 in Northern Ireland (NI) on energy bills.
  • Reducing draughts and stopping heat escaping.
  • Making your home warmer.

Plus, if you’re thinking of switching to low-carbon heating, loft insulation can help make your home heat pump-ready.

How much does loft insulation cost?

The cost of getting loft or roof insulation depends on the type of house you live in, its size and how much insulation you’re installing.

Insulation depth Installation cost in Great Britain  Installation costs in Northern Ireland
270mm (from 0mm)

£900

£1,100
270mm (from 120mm)

£750

£700

 

How much loft insulation do I need?

Current building regulations recommend a minimum depth of 270mm for mineral wool insulation. This handy ruler can help you check the depth of any insulation already installed.

How can I lower the cost of installing loft insulation?

You might be able to get funding or grants for insulation. Find financial support for energy efficiency in your area.

If you live in Scotland, speak to Home Energy Scotland to see if you’re eligible for funding towards loft insulation.

In Wales, speak to Nest to see if you’re eligible for funding towards loft insulation.

In Northern Ireland, the Northern Ireland Sustainable Energy Programme (NISEP) offers grants for loft insulation. For more information, get in touch with the Northern Ireland Energy Advice Service.

How much could I save with loft insulation?

England, Scotland and Wales

0mm - 270mm loft insulation

120mm - 270mm loft insulation

Northern Ireland

0mm - 270mm loft insulation

120mm - 270mm loft insulation

How do I get my loft or roof insulated?

If your loft is easy to access and has no damp or condensation problems, it should be easy to insulate. In many cases, you might be able to do it yourself.

For more information, read our guide on how to insulate a loft.

Can I install loft insulation myself?

Yes, but only if your loft is:

  • easy to access
  • free of damp problems
  • not a flat roof

In cases where there are damp problems or more complex insulation is needed, you should use a professional installer.

If access is easy and your loft joists are regular, you can use rolls of mineral wool insulation. The first layer is laid between the joists (the horizontal beams that make up the floor of the loft). Another layer is then laid at right angles to cover the joists and make the insulation up to the required depth.

  1. Check for damp problems: Ensure your loft doesn’t have any damp issues. If it does, a professional should assess and address the problem before you start.
  2. Access and joist regularity: If your loft is easily accessible and the joists are regular, you can use rolls of mineral wool insulation.
  3. Installing the insulation: Lay the first layer of insulation between the joists (the horizontal beams that form the loft floor). Then, lay another layer at right angles to cover the joists and achieve the required insulation depth.

If you want the insulation at the sloping roof, or have a flat roof, professional installation is necessary.

Can I get a professional to insulate my loft?

If you’re unable or unsure about insulating your loft or roof yourself, it’s best to hire a professional installer.

Make sure the installer you choose is registered with TrustMark, a government-endorsed quality scheme for home improvements. You can use the TrustMark website to find approved installers in your area.

Also, ask your installer which Competent Persons Scheme (CPS) they belong to. You can check their membership on the UK Government’s website.

It’s a good idea to get a few quotes from different installers. Before hiring, ask questions such as:

  • How much experience do you have with loft insulation?
  • Can you provide references or examples of previous work?
  • What guarantee or warranty do you offer on the work?
  • Will you assess and address ventilation needs as part of the job?
  • Will you handle any necessary building regulations or certifications?

Be cautious if the installer:

  • Pressures you to make an immediate decision.
  • Offers a quote much lower than others without a clear explanation.
  • Is unwilling to provide references or proof of certification.
  • Doesn’t provide a written contract or clear breakdown of costs.

It’s always a good idea to get at least three quotes and recommendations before deciding.

Remember: if you have existing damp problems, they need to be fixed before installing any insulation. It’s also worth taking photos before and after a professional does any work to help document what insulation has been installed.

What other types of insulation are there?

Our reducing home heat loss hub has information about other insulation options to help make your home warmer and more energy-efficient.

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