When to insulate?

No matter what kind of insulation you currently have in your attic, one quick way to determine if you need more is to look across the span of your attic. If your insulation is just level with or below your floor joists (i.e., you can easily see your joists), you should add more. If you cannot see any of the floor joists because the insulation is well above them, you probably have enough and adding more may not be cost-effective. It is important that the insulation be evenly distributed with no low spots; sometimes there is enough insulation in the middle of the attic and very little along the eaves. If your attic insulation covers your joists and is distributed evenly, you probably have enough.