Up to 25% of a home’s heat can escape through an uninsulated loft or roof space. This is one of the biggest causes of high heating bills and cold rooms, especially in older UK homes. Loft insulation is one of the simplest and most effective upgrades for improving warmth, comfort, and overall energy efficiency.

Under the ECO4 scheme, eligible households can have loft insulation installed completely free, helping the property retain heat, reduce energy usage, and stay warm for longer. This upgrade is often one of the first improvements recommended during a whole-house assessment.

How loft insulation works

Loft insulation creates a thick thermal barrier in the roof space, preventing warm air from escaping through the top of the house — the area where heat loss is most common.

Proper loft insulation:

• Keeps your home warmer during winter
• Helps maintain cooler temperatures in summer
• Reduces strain on your heating system
• Cuts your energy bills year-round

Loft insulation under ECO4

ECO4 funds loft insulation when:

• The current insulation is missing or insufficient
• The property has a low EPC rating (D–G)
• The home requires several upgrades as part of a whole-house improvement plan

During your survey, a qualified assessor will check the thickness of your existing insulation and confirm whether additional insulation is needed to meet modern standards.

Types of lofts that can be insulated

• Standard open loft spaces
• Partially boarded lofts
• Lofts with minimal or thin insulation
• Accessible attic spaces used for storage

Some non-standard lofts (such as attic rooms) may fall under Room-in-Roof insulation instead, depending on how the space is built.

Benefits of upgrading your loft insulation

• Lower heating bills
• A warmer, more comfortable home
• Reduced heat loss
• Improved EPC rating
• Less pressure on your boiler
• Long-lasting insulation performance (up to 40 years)

Loft insulation is often paired with cavity wall insulation or internal wall insulation to further improve the home’s energy efficiency. When combined, these measures deliver the greatest EPC improvement and the biggest savings on heating.

Installation quality

All insulation work is carried out by fully certified, TrustMark-accredited installers, ensuring safe installation and compliance with government standards.

For eligible households, loft insulation is a simple but powerful upgrade — fully funded under ECO4 and capable of transforming the warmth and comfort of the home.