
Attic insulation can indeed touch the roof, but there's a catch - it depends on the type of insulation and roof you have. If you have a flat or low-sloped roof, insulation can be installed right up to the roof deck.
However, if you have a steeply pitched roof, insulation should be installed with a gap of at least 1 inch between the insulation and the roof deck to allow for airflow and moisture drainage. This gap also helps prevent insulation from compressing and losing its effectiveness.
Some types of insulation, such as spray foam, can be applied directly to the roof deck, but others, like fiberglass batts, require a gap to ensure proper airflow and prevent moisture buildup. It's essential to check your roof's specifications and insulation type before installation.
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Types of Insulation
There are several types of insulation that can be used in attics, each with its own unique characteristics.
Blanket insulation is the most common type, and it's easy to install by fitting it between the rafters or directly on the loft floor. It provides excellent thermal and acoustic insulation.
Loose-fill insulation is ideal for irregularly shaped lofts or difficult-to-reach spaces, as it can fill gaps and penetrate around obstructions. It's made from materials like cellulose, mineral wool, or expanded polystyrene beads.
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Blanket
Blanket insulation is the most common type of loft insulation, and it's widely used because it's easy to install and provides excellent thermal and acoustic insulation. It's made from mineral wool, fiberglass, or natural fibers such as sheep's wool.
You can fit blanket insulation between the rafters or directly on the loft floor, making it a versatile option for many homes. The rolls or batts are designed to be simple to install, and they can be trimmed to fit around obstructions.
The level of thermal efficiency that blanket insulation provides depends on the depth of the insulation fitted. The current government recommendation is 270mm, which provides a U value of 0.15.
Loose-Fill
Loose-fill insulation is a great option for irregularly shaped lofts or difficult-to-reach spaces, as it can fill gaps and penetrate around obstructions.
It's often made from materials such as cellulose, mineral wool, or expanded polystyrene beads.
Loose-fill insulation can be blown or poured into the loft space, making it a convenient and efficient choice for many homeowners.
Spray Foam
Spray foam insulation is a versatile form of insulation that is applied as a liquid and expands to form a solid foam. It can be sprayed directly onto the rafters, creating a seamless insulation layer that adheres to irregular surfaces and fills any gaps or voids.
Spray foam insulation provides excellent thermal and air-sealing properties, making it an efficient option for reducing heat loss and thermal bridging. This makes it an ideal choice for areas with high energy costs or extreme temperatures.
Spray foam insulation can be used in various situations, including refurbishing or replacing a roof. By insulating above the rafters, the loft space can remain unaffected, providing additional storage or living space.
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Installation and Considerations
To ensure a safe and successful attic insulation installation, it's essential to consider a few key factors. First, if you're working with an unfloored area, you'll need to install crawl/boards to prevent a potentially disastrous fall.
Before starting the insulation process, check if your ceiling has recessed spotlights. If it does, you'll need to install loft caps to prevent the insulation from coming into contact with the hot back part of the lights.
The first layer of insulation should be laid between the joists, with the first 100mm layer being the starting point. To ensure a snug fit, cut the insulation to the width required using an old hand saw, typically between 380mm or 570mm.
The second layer of insulation needs to be laid running perpendicular (at a right angle) over the joists. This layer should be 170mm – 200mm thick and can be laid in full width unless there are any obstructions.
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Air Circulation Challenges
Proper air circulation is crucial for removing excess moisture and preventing condensation buildup in your loft space. Adequate ventilation is essential for maintaining a healthy living environment.
Insulation that touches the rafters can limit airflow, potentially affecting proper ventilation. Insulation that's in contact with the rafters can impede air circulation.
Proper planning and the installation of ventilation systems are necessary to ensure sufficient air circulation when insulating rafters. Ventilation systems are vital for maintaining a healthy loft space.
Excess moisture can lead to mold and mildew growth, which can be hazardous to your health. Moisture buildup can also damage your home's structure.
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Let's Get Started:
Before you start installing loft insulation, it's essential to prepare the area properly. You'll need to ensure you're working safely, especially if you're dealing with an un-floored area.
First, check if you have crawl boards to prevent you from putting a foot or your whole body through the ceiling below. If not, you'll need to get some to avoid a potentially disastrous and embarrassing situation!

Next, inspect the ceiling for recessed spotlights. If you have any, you'll need to install loft caps to prevent the insulation from coming into contact with the hot back parts of the lights.
To install the first 100mm layer of insulation, lay it between the joists. The gap between the joists is typically either 380mm or 570mm, so be sure to cut the insulation accordingly using an old hand saw.
Here's a quick reference guide to help you with the insulation width:
Once you've cut the insulation, roll it out between the joists over the entire area required and lightly press it to fit snugly between the joists. If you have loft caps, nest the insulation around them.
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Pros and Cons
Attic insulation touching the roof can have both benefits and drawbacks.
One major con is that it can reduce airflow and create a humid environment, leading to mold growth and damage to the roof and insulation.
A pro is that it can provide additional insulation, reducing heat loss in the winter and heat gain in the summer.
However, this benefit may not be significant enough to outweigh the potential drawbacks, especially if the insulation is not installed correctly.
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Pros

The pros of this topic are numerous and exciting. One of the biggest advantages is that it offers a high return on investment, with a potential return of up to 20% per year.
Its flexibility is another major benefit, allowing users to customize it to fit their specific needs. This means that anyone can use it, regardless of their background or experience.
It's also incredibly efficient, with a processing speed that's up to 5 times faster than traditional methods. This makes it a great choice for anyone who needs to get things done quickly.
Cons
The cons of this topic are worth considering.
One of the main drawbacks is the potential for high upfront costs, which can be a significant financial burden for some individuals.
In some cases, these costs may not be offset by the long-term benefits, making it a less appealing option.
Additionally, the complexity of the process can be overwhelming for those without prior experience or knowledge.
This can lead to frustration and a sense of being lost, which may ultimately deter people from pursuing it further.
However, it's worth noting that some individuals may find the process enjoyable and rewarding, despite the challenges.
Insulation Options and Costs
Attic insulation can be a bit overwhelming with all the options available.
Fiberglass batts are a popular choice, costing between $0.50 to $1.50 per square foot.
They come in pre-cut sections or rolls, making installation relatively easy.
Rigid foam insulation is another option, priced between $1.00 to $3.00 per square foot.
It's available in various thicknesses and can be cut to fit specific spaces.
Cellulose insulation is a eco-friendly choice, costing between $1.00 to $2.00 per square foot.
It's often blown into place, making it a quick installation process.
Spray foam insulation is the most expensive option, priced between $1.50 to $3.50 per square foot.
However, it provides excellent insulation and can last for decades.
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Installation Process
The installation process for attic insulation is a crucial step in ensuring it's done correctly.
You'll want to start by checking the manufacturer's instructions for specific guidance on installation.
The type of insulation you choose will also impact the installation process, as different materials have varying requirements.
For fiberglass batts, it's essential to wear protective gear, including gloves, a mask, and safety glasses, to avoid exposure to sharp fibers.
Cellulose insulation, on the other hand, is typically blown into place using a specialized machine.
It's also important to ensure the insulation is not compressed or damaged during installation, as this can compromise its effectiveness.
In some cases, insulation may need to be cut to fit around roof vents or other obstructions.
Rafter Insulation
Insulating between and over rafters is an alternative method that allows for an air gap between the insulation and the roof, enabling better air circulation and reducing the potential for condensation issues.
This method is particularly suitable when there is limited headroom in the loft or when insulation material with a lower thermal conductivity is desired.
Insulating above the rafters creates a continuous layer of insulation above the roof, often used in situations where the roof is being refurbished or replaced.
By insulating above the rafters, the loft space can remain unaffected, providing additional storage or living space.
However, this method may require adjustments to external fixtures such as guttering and fascia to accommodate the increased roof height.
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Sources
- https://www.greenbuildingadvisor.com/question/blown-in-cellulose-touching-roof-sheathing
- https://www.greenbuildingadvisor.com/question/how-should-i-deal-with-attic-insulation-where-roof-meets-wall
- https://buildingmaterialreviews.co.uk/should-loft-insulation-touch-the-rafters/
- https://www.theloftboys.co.uk/lofts/loft-insulation/
- https://winfieldbuilders.com/3-ways-good-attic-insulation-can-preserve-your-roof/
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