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Newsletter - News & Views
Buying and selling houses, condos, lofts, townhouses, condominiums and homes in the Toronto, Forest Hill, Downtown, Rosedale, St. Clair and GTA area.
Newsletter
Issue 13

Keeping the Heat In!

INTRODUCTION

The colder weather is well upon us and we rely heavily on our heating systems to keep our abodes toasty warm. With shock and horror, you have just opened your most recent energy bill. Is there any way to keep home heating costs in control? You could opt for better quality replacement windows, but this tends to be a major expense, with a relatively poor return from a resale perspective. Perhaps the most immediate and cost effective method is by adding insulation to your home.

The good news is that by increasing the R-Value (discussed below), you will also reduce your cooling costs in the summer. Overall, your home will be more comfortable.

WHAT IS INSULATION1?

Insulation is a material that resists the transference of heat, generally by taking advantage of air pockets.

Were you aware that the insulation value of a window is not necessarily in the glass itself, but in the air space between the panes of glass?

Since the insulation value is created generally through a series of air pockets, it makes sense that older insulation, once compressed, will be less effective over time.

The most common type of insulation in Southern Ontario is fiberglass insulation. Some builders use cellulose insulation (paper based). This material is installed during the construction stage of new homes. Furthermore, it is easily added as an "after market" product on established and older homes. The installation of aftermarket insulation is either blown in (also known as "loose fill") or batts (sold in a roll form).

Most heat loss occurs in the attic and basement areas. Surprisingly, heat loss in wall is less of an issue. On that note, it is very difficult to enhance the insulation value of walls without removing the existing plaster or drywall.

Retrofitting insulation into existing walls & attics (i.e. blown-in cellulose, fiberglass, or foam) can allow you to enjoy 20 - 30% savings on your energy bills
2.

An additional benefit of insulation is that it has effective noise controlling properties.

Fiberglass insulation is available in R levels from R-12 to R-40. The R-Value is a measurement of heat resistance. The higher the R-Value, the better. Fiberglass batt insulation has an R-Value of 3.2 per inch for new insulation and 2.6 for older insulation. Other types of insulation may be more efficient per inch; however, fiberglass batt & blown-in insulation tend to be extremely easy to install in existing dwellings.

WHAT IS UFFI3?

UFFI (i.e. Urea Formaldehyde Foam Insulation) is no longer sold in Canada and was banned in 1980. UFFI was developed in Europe in the 1950's as a method of insulating hard to reach areas of walls. In Canada, it was popularly installed in the 1970's with most installations occurring between 1975 and 1978. UFFI was commonly injected from the exterior of a home, into the interior wall cavities. During that period, the Canadian government offered financial incentives to install the product. UFFI is still in use in Europe where it was never banned.

One of the methods of visually analyzing whether a home has UFFI installed is to scan the exterior of the structure to look for consistent patterns of patched circular holes. This should then be crosschecked in the basement by looking between the floor joists against the foundation walls for traces of the foam material. Also, one of the tale tell signs of UFFI in older homes is the presence of an air exchanger in the basement.

The concern over UFFI had less to do with the product itself, but rather the installation of the mixture. UFFI was not a "do-it-yourself" installation product. The quality of installation varied according to the contractor used.

Formaldehyde actually naturally occurs in the human body and forests. The formaldehyde portion (which allowed the foam to cure) was often elevated. Formaldehyde is currently present in carpeting, under pad, shoe soles, standard kitchen countertops, press board, tobacco, plastic products, car exhaust, and is commonly found in many products that we use today, (particularly those products requiring bonding). Formaldehyde delivers an "off-gas" which has a decay life over time. Hence, most of the "off-gas" of formaldehyde occurs over the first couple of days to week and diminishes over time. Formaldehyde levels after one week return to ambient house levels. Of course, formaldehyde, in large doses, can be irritating and even toxic.

The probability of UFFI "off-gassing" today is remote, given that the last installation in Canada occurred in 1980. There are firms that test for formaldehyde gas levels in your home and results are ready usually within 7 - 10 days following.

It is a disclosure requirement in Ontario for Sellers to notify Buyers about the presence of UFFI in the home, or in the event that UFFI had formerly existed and was abated. Despite the low chance of "off-gassing", my experience has been that homes insulated with UFFI are more difficult to sell since many buyers in the marketplace immediately reconsider the home solely on that basis. There is a stigma attached to such properties, more based on perception and fear, rather than scientific evidence. Of course, perception can drive any type of market.


OTHER TYPES OF INSULATION4

One of the more recent types of insulation on the market, which may be used in new construction or renovation (assuming the wall studs are exposed), is a spray-in fiberglass insulation. The product combines a much higher density of fiberglass (than earlier products) with an adhesive material, and is sprayed into wall cavities, creating a continuous insulation barrier, void of gaps and spaces. The benefit of this product is that a greater R-value can be achieved over traditional fiberglass batt insulation. This product is non-combustible. The excess insulation is scraped away to create a flat surface in order to apply drywall. After the product has cured and before the drywall is installed, a vapor barrier is added. For more information on this product, visit
www.fiberglass.com.

One item to think about with respect to insulation is its combustibility. Certainly, since fiberglass is essentially a glass-based product, it is fire retardant.

An excellent on-line
Insulation Comparison Chart can be found at the "Home Energy Saver" web site.


OTHER WAYS TO REDUCE YOUR ENERGY BILLS

Some of the least costly means of reducing your bills include:
1. installing an electronic programmable thermostat to modify the temperature while you are at work or sleeping
2. removing caulking around exterior windows (particularly if dried and cracked) and re-applying new latex expandable caulking
3. installing storm doors (please note that modern steel insulated doors were never designed for exterior storm doors and may warp due to excessive heat build-up between the steel insulated & storm doors)
4. adding weather-stripping around exterior doors
5. insulating the space between floor joists in your basement

Now you can enjoy the comfort of the interior of your home, with enhance energy savings!

  1. US Dept. of Energy, Berkeley National Lab, University of California
  2. David Figueras, Homeworld Media Inc.
  3. CMHC & Carson and Dunlop Consulting Engineers
  4. US Dept. of Energy, Berkeley National Lab, University of California


* not intended to solicit properties currently listed for sale

Paul Maranger, Christian Vermast and Fran Bennett, Chestnut Park Real Estate
Buying and selling houses, condos, lofts, townhouses, condominiums and homes in the Toronto, Forest Hill, Downtown, Rosedale, St. Clair and GTA area. Forest Hill, Downtown Toronto Ontario Canada - houses, condos, lofts, townhouses, condominiums and homes for sale
Toronto Residential Real Estate Agents, Paul Maranger, Christian Vermast and Fran Bennett
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