Free Loft Insulation

Free loft insulation in Cardiff, Swansea, Newport and surrounding areas.

To qualify for a Free Loft Insulation Grant in the UK, there are two main routes: the General Group and the Low-Income Group.

Here’s how each works:

✅ General Group Qualification

You must meet both of the following criteria:

1. Council Tax Banding:
   • In England: Bands A to D. In Wales: Bands A to E
   Check your banding here: Gov.uk Council Tax Band Check
2. EPC Rating (Energy Performance Certificate):
   • Must be D, E, F, or G (but because of the rules of the scheme, free loft insulation is only likely to be free with EPC ratings of F or G)
   • Find your EPC here: EPC Register

Notes:

• Applies to owner-occupiers and private tenants (with landlord’s consent).
• Private tenants must also receive a qualifying benefit.

✅ Low-Income Group Qualification

You must be in receipt of at least one of the following benefits, and your EPC rating must still be D, E, F, or G.

If you are a private tenant, your home must have an EPC rating of D or E — landlords are not legally allowed to rent F or G rated properties.

Qualifying Benefits:

• Pension Credit
• Income-Based Job Seekers’ Allowance
• Universal Credit (✅ no income threshold)
• Income-Related Employment and Support Allowance (ESA)
• Tax Credits (Working and/or Child Tax Credit – ✅ no income threshold)
• Income Support
• Housing Benefit (✅ now included)
• Child Benefit – Income thresholds apply (see table below)

📊 Child Benefit Income Thresholds

Number of Children	Single Claimant	Couple Claimants
1	£19,900	£27,500
2	£24,800	£32,300
3	£29,600	£37,200
4	£34,500	£42,000

💷 Is the Loft Insulation Always Free?

• If done together with Cavity Wall Insulation: ✅ Yes, always free.
• If done on its own: ❌ It may not be completely free loft insulation – depends on:
  • EPC rating
  • Council Tax band
  • Property size

🏠 Eligible Property Types

• Owner-occupied homes
• Privately rented homes (with landlord consent & benefit qualification)
• Not typically available for social housing tenants – they should check with their housing provider instead.

To find out if you qualify, or to book a free, free loft insulation no-obligation survey, complete our enquiry form or give us a call
Complete Enquiry Form

or call us on 0800 8 10 10 60 or 07960 799681 and speak to one of our free loft insulation experts.

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Is my Loft suitable for insulating?

🛠️ Loft Survey & Suitability Checks

Before any insulation work begins, a full and thorough survey of the loft space is carried out. This includes a Health & Safety assessment to ensure the space is safe and appropriate for insulation.

🔍 What the Survey Covers:

Surveyors will check for any issues that could delay, prevent, or alter the installation. These may include:

🦇 Important Note About Bats

If bats are present, you cannot proceed with loft insulation at that time.

• Bats are a protected species under UK law.
• Disturbing them is illegal.
• If bats use your loft seasonally, insulation may be possible during their absence (typically in winter).

A qualified surveyor may refer you to a bat specialist or ecologist if needed.

📋 After the Survey

Any concerns found during the survey will be:

• Discussed with you directly
• Documented for your records
• May require remedial work or a delay in insulation until resolved

To find out if you qualify, or to book a free, free loft insulation no-obligation survey, complete our enquiry form or give us a call
Complete Enquiry Form

or call us on 0800 8 10 10 60 or 07960 799681 and speak to one of our free loft insulation experts.

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How is Free Loft insulation installed?

Forget the old “itchy stuff”! Modern loft insulation is clean, safe, and highly effective.

🛏️ What Type of Insulation Is Used?

🔧 Installation Process

Access the Loft
Our technicians safely access the loft space, using dust sheets and protective gear if needed.

Lay the First Layer

The first layer is laid between the joists (the wooden beams that run across the loft floor). In most cases, this has been insulated in the past.

Lay the Second Layer

A second layer is installed at right angles across the joists, sealing the first layer in place for maximum thermal performance.

Ventilation Check

Technicians ensure there is adequate airflow in the loft to prevent condensation build-up.

Clear Up & Completion

The loft is left clean and tidy — no mess.

All empty insulation bags are removed.

📏 Insulation Depth

• The total depth installed is typically 270mm (about 11 inches) — the recommended standard in the UK.

⚠️ Special Considerations

Every loft is unique. The following are addressed during the initial survey and handled with care during installation:

• Electrical cables
• Water pipes
• Recessed down-lighters
• Loft hatches or restricted access
• Ventilation points

🕒 How Long Does It Take?

• An average semi-detached home can usually be insulated in less than 2 hours.

🛡️ Peace of Mind

• All installers are fully trained and insured
• Health and safety is a top priority
• The process is quick, clean, and hassle-free

To find out if you qualify, or to book a free, free loft insulation no-obligation survey, complete our enquiry form or give us a call
Complete Enquiry Form

or call us on 0800 8 10 10 60 or 07960 799681 and speak to one of our free loft insulation experts.

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🚫 Why We Do Not Install Rafter (Roof) Insulation

There are two main reasons why we do not install insulation directly to the underside of the roof (rafters):

❌ 1. It Doesn’t Help Where It Matters

While rafter insulation can reduce heat loss through the roof, it does not stop heat from escaping from your living areas, particularly your bedrooms.

• Instead of keeping the heat in your home, it warms the loft space.
• That might be useful if you’re using your loft to grow plants, but it’s inefficient for most households.

Traditional loft floor insulation is far more effective at:

• Keeping your home warm
• Lowering your energy bills
• Improving overall energy efficiency

⚠️ 2. It Can Lead to Expensive Damage

Most rafter insulation is applied as spray foam, which bonds directly to the inside of your roof tiles and structure.

Sounds secure? It can actually be a major risk:

• If a tile becomes damaged or leaks, the foam bond may prevent the issue from being spotted early.
• Worse still, repairs can become extremely difficult or even impossible without removing the entire roof.

Real Case Example:

In August 2016, a customer in Whitchurch, Cardiff, contacted us after experiencing this very issue:

• A small leak developed behind the spray foam insulation.
• Because the foam had sealed the roof space, the damage went undetected.
• The only solution? A full roof replacement costing £7,000.

💬 Our View:

Loft insulation is designed to save you money, not cost you thousands in future repairs.

That’s why we stick to the tried, tested, and safest method:

• Insulating the loft floor, not the roof
• Using non-invasive, breathable materials
• Preserving the roof’s integrity and avoiding long-term risks

To find out if you qualify, or to book a free, free loft insulation no-obligation survey, complete our enquiry form or give us a call
Complete Enquiry Form

or call us on 0800 8 10 10 60 or 07960 799681 and speak to one of our free loft insulation experts.