Financing Your Insulation Project
Insulation is one of the few home improvements that starts paying for itself immediately. Here is how to think about paying for it.
Ask at the estimate
Financing options change, and so do the state and utility programs that sit alongside them. Rather than publish terms that may be out of date by the time you read them, what is actually available is reviewed when the written estimate is prepared. Call (484) 989-7314 and ask.
Three ways people pay for this work
Efficiency program financing
State and utility efficiency programs frequently offer loans or on-bill financing for qualifying measures, and insulation and air sealing usually qualify. Terms are often better than general home improvement credit because the program exists to get the work done. See the offers and programs page for what runs in each service area.
Rebates first, then the balance
Where a rebate covers part of the project, the amount you actually need to finance is smaller than the estimate total. It is worth establishing what you qualify for before arranging anything, which is one more reason the free assessment comes first.
Staging the work
You do not have to do everything at once. A whole-home scope is sequenced by payback, so it is entirely reasonable to do the air sealing and the attic now and the walls next year. The estimate breaks it out so you can see where the line falls.
What insulation returns
A payback percentage is not quoted sight unseen, because it depends on what you have now, your climate and your fuel costs. The written assessment shows what is deficient and by how much, so the numbers you are weighing are your numbers and not an industry average.
Frequently asked questions
Is financing available?
Ask when you get the estimate. The options that are current at the time can be reviewed then. Call (484) 989-7314 to find out what is available for the project before you commit to anything.
Does insulation qualify for an energy efficiency loan?
In several programs, yes. Insulation and air sealing are standard qualifying measures for state and utility efficiency financing, which often carries better terms than general home improvement credit. Ask which programs apply in your state.
What is needed to discuss financing?
The written estimate, which states the total, and a recent utility bill, which most efficiency programs ask for. The estimate comes from the free assessment.
Is there a cost to ask?
No. The assessment and the estimate are free, and discussing how you pay for the work does not change either.
Free estimate
Get your free visual energy audit
Call and tell us about the house. We connect you with an independent local contractor who inspects the attic, the accessible walls, the rim joist and the crawl space, then gives you a written picture of what is deficient and what each fix would change. No charge for that introduction, and no obligation.
- Written estimate with scope, materials and R-values before any work begins
- You are told if the house does not need the work yet
- Evening and weekend appointments at no extra charge
Book by phone
One call starts the introduction. Tell us the address and what you are noticing, and we will connect you with an independent local contractor for a free audit.
Monday to Friday 7:00am - 7:00pm, Saturday 8:00am - 4:00pm.
Start with the free assessment
Free visual energy audit, written estimate before any work begins, and evening or weekend appointments at no extra charge.