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Roof and loft

A quarter of heat is lost through the roof in an uninsulated home. Insulating your loft, attic or flat roof is a simple and effective way to reduce heat loss and reduce your heating bills.

Loft insulation is effective for at least 40 years and it should pay for itself many times over. 

loft with ladder and wooden beam

Choosing loft insulation

If your loft is easy to access and has no damp or condensation problems, it should be easy to insulate - and in most cases, it is possible to do it yourself.

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 – then another layer is laid at right angles to cover the joists and make the insulation up to the required depth.

Man working on insulation in a loft

Here's what to consider when installing loft insulation:

1. Storage space

If you plan to use the loft or attic for storage, you will want to lay boards over the joists. Unfortunately, if you only insulate between the joists before doing this, the insulation won't be thick enough. 

To get enough insulation, you can raise the level of the floor so you can fit enough mineral wool beneath the new floor level. You can do this by fitting timber battens across the joists, or you can buy purpose-built plastic legs that fit on the joists and support the new floor. It’s important to leave a ventilated air gap between the insulation and the boards to prevent condensation on the underside of the boards.

Make sure you don't squash the mineral wool when you fit the boards on top as this this will reduce its insulation value. 

hands cutting through insulation

2. Warm loft

An alternative way to insulate your loft is to fit the insulation between and over the rafters – these are the sloping timbers that make up the roof itself. You can use rigid insulation board, carefully cut to size, or you can have foam insulation sprayed between the rafters.

Whichever approach you use, you will need a specialist professional to insulate your roof – this is not a DIY job.

spray polyurethane foam for roof


  • The roof space will be warmer than with standard loft insulation, so you won’t need to worry so much about freezing tanks and pipes.
  • You can board the floor for storage without having to raise it to create extra depth.



  • Insulating at rafter level is considerably more expensive than most standard loft insulation.
  • As well as insulating the roof, you will have to insulate any gable walls, party walls and chimneys in the loft space. If you leave these uninsulated, then the heat will bypass your new insulation making it largely ineffective.


Some companies may offer to fix your damaged or leaking roof by spraying foam insulation directly onto the underside of the roof without first fixing the problem. We do not recommend that you do this. As with any type of insulation, you need to make sure that the roof is dry and in good condition before any insulation is added.

If you want to use your loft as a heated room, then you need to take a slightly different approach, and create a proper room in the roof.

3. Room-in roof

If you want to use your loft as a living space, or it is already being used as a living space, then you need to makes sure that all the walls and ceilings between a heated room and an unheated space are insulated.

  • Sloping ceilings can be insulated in the same way as for a warm roof, but with a layer of plasterboard on the inside of the insulation.
  • Vertical walls can be insulated in the same way.
  • Flat ceilings can be insulated like a standard loft.

Make sure you insulate all the areas of wall and ceiling round any dormer window, and that you use high performance glazing for the window, or for any skylights.

As with warm loft insulation, this is not a DIY job. You will need a professional installer to ensure that the insulation is appropriate and complete, and that adequate ventilation is provided where needed.

bedroom in a converted loft

4. Inaccessible loft spaces

If your loft is hard to access, you can have blown insulation installed by a professional, who will use specialist equipment to blow appropriate insulation material into any awkward space. They may use mineral wool fibre, treated cellulose or polyurethane foam.

insulation being pumped into the roof cavity

5. Flat roofs

A flat roof should preferably be insulated from above. A layer of rigid insulation board can be added either on top of the roof's weatherproof layer or directly on top of the timber roof surface with a new weatherproof layer on top of the insulation. This is best done when the roof covering needs replacing anyway. If your flat roof needs to be replaced anyway, you must now insulate it to comply with building regulations.

It is possible to insulate a flat roof from underneath, but this can lead to condensation problems if not completed correctly.

Installing flat roof insulation could save you similar amounts on your heating bills to loft insulation. The savings will vary depending on how much of the property has a flat roof.

6. Damp lofts

Insulation stops heat escaping from living spaces, so it will make your loft space cooler, which could introduce or worsen existing damp or condensation problems. If you are installing loft insulation yourself, please keep in mind that you may need to increase ventilation.

Get professional advice before installing insulation to see if you can fix any damp problems first.

damp loft being dried out

Costs and savings

England, Scotland and Wales

0mm - 270mm loft insulation


120mm - 270mm loft insulation

Northern Ireland

0mm - 270mm loft insulation


120mm - 270mm loft insulation


DIY loft insulation

If your loft is easy to access, does not have damp problems and is not a flat roof, you could probably insulate it yourself. In cases where there are damp problems or a more complex insulation system is needed, a professional installer should be used.

Flat roof insulation always requires professional insulation and damp roofs require professional assessment before work can be carried out.

man holding a hard hat standing in front of a ladder in a loft

Pipes, water tank and loft hatch

Insulating between the joists of your loft will keep your house warmer, but make the roof space above colder.

This means pipes and water tanks in the loft space could be more likely to freeze, so you will need to insulate them. If your water tank is some distance from the loft hatch, you will also need something to walk on for safe access.

The cooler air in your insulated loft could mean that cold draughts come through the loft hatch. To prevent this, fit an insulated loft hatch and put strips of draught-excluding material around the hatch edges.

loft hatch

Finding an installer

The National Insulation Association (NIA) is a member organisation for the insulation industry in the UK.

Members agree to follow a code of professional practice to ensure that customers who use them receive excellent customer service. You can use their website to find an NIA installer near you.

If you are based in Scotland, call Home Energy Scotland on: 0808 808 2282. You can also visit Historic Scotland's Technical Conservation knowledge base for information on how to insulate traditionally constructed buildings.

man lifting up insulation board

More information

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Support in Wales

If you are struggling to keep your home warm or cope with your energy bills, call the Nest scheme on Freephone 0808 808 2244 for advice and support including free home energy efficiency improvements.

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Based in Scotland?

You can visit or chat with homeowners who have already installed insulation in their hard-to-treat home using our Green Homes Network (GHN) tool. For a free home visit, call Home Energy Scotland on 0808 808 2282 (Monday-Friday, 8am-8pm and Saturday, 9am-5pm).

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