Loft insulation in Three Legged Cross
Loft top-ups on newer estate roofs, cleared older lofts and raised boarded storage across Three Legged Cross and BH21, priced in writing.
The site visit is free and so is the written itemised quote. Thomas Hannen prices every job himself.
A lot of houses here were built with insulation already in the loft, so the material looks tidy and the depth is still short. The fix is a second layer cross laid over the joists and taken out over the wall plate, not a rip out and start again.
The usual reasons for a call. Bedrooms that feel cold at head height in a house that is not old. A loft boarded out by a previous owner, with the wool underneath squashed to nothing. Or a look through the hatch that shows neat, even material sitting only as deep as the joists.
We look before we quote and the visit is free. That means going in, measuring the depth at the hatch, in the middle and again at the edge, and checking whether the original job was ever carried out over the wall plate. Photographs of the eaves, the corners, the tank and the cabling come back with a written itemised quote, where the clearing, the material and depth, the edges, the hatch and the pipework are all separate lines.
The work
Topping up a loft that already looks finished

Adding the second layer. A newer house came with one layer laid between the joists, and it is usually still where the builder put it. That is a better starting point than an old retrofit, but the timber is left uncovered and every joist runs heat through the ceiling. What is there stays, the settled patches are filled, and a new unbacked roll is cross laid over the top at right angles to it. Two layers get you to about 270mm, which is what a current U value asks for, and no timber shows.
What has to come out. Not much, in a newer house, but it is worth checking rather than assuming. Wool that is wet, compressed flat under boarding, patchy where somebody has crawled through it or contaminated with droppings is bagged in the loft and taken away rather than covered over. Older properties in the village can also have loose fill that has migrated into the eaves and closed them off.
Trusses, and moving about. These roofs are trussed, so there is bracing to work around and the ceiling ties are shallow. Nothing gets cut, notched or unbolted to make the job easier. We work off boards laid across the joists, feed the material through the truss webs, and do the far corners before the near ones, since the last corner reached is the one that ends up short of depth.
The eaves. The insulation runs out over the wall plate and stops there, with a vent tray in each rafter bay holding the air gap open so cross ventilation still crosses the loft. Modern roofs are laid on a breathable membrane, which is more forgiving than old bitumen felt, but they are also tighter than an old unfelted roof and they rely on the eaves. Push material into that edge and you get condensation on the underside of the covering and mould along the timbers within a winter.
Services, storage and roof rooms. Recessed lights are common in houses of this age and every one gets a fire rated cover, with cable and wiring lifted and clipped above the new layer rather than buried in it. Where there is a tank, it and its pipework are lagged and a lid fitted. Storage goes onto loft legs as a raised floor so the full depth stays uncompressed, with a platform at the top of the loft ladder, and the hatch gets an insulated board and a draught seal. A room in the roof, a dormer or a sloping ceiling is rafter level work instead: rigid board such as Celotex between the rafters, the air gap kept open above, PIR beneath and the vapour control taped through.
How it runs
From your call to a written price

Same team from first visit to last, one person to ring, and no sub-contracting your work out to somebody you have never met. The quote is itemised, not a figure on the back of a card: the survey, clearing and bagging whatever is up there now, the material and its depth, keeping the eaves clear, the hatch and any pipework, and disposal on separate lines, so you can compare it properly against anyone else's.
Nothing is left open or unusable overnight. The site is swept at the end of each day rather than the end of the job, and what comes out leaves with us. If something turns up once we start that nobody could have seen, you get a photograph and a price before we carry on.
Nothing about this needs planning permission. Insulation inside an existing roof is not development, which Planning Portal guidance on insulation makes plain, so it falls inside permitted development. Building control applies where a thermal element is renovated rather than topped up, because regulation 23 brings the whole element up to current standard and Approved Document L sets what that is. Dorset Council is the authority. There is one listed entry in the area and no conservation area over the housing, so an ordinary house here needs no consent, and HMRC VAT Notice 708/6 covers how the VAT on energy saving materials works.
Cost
What decides the price of a loft

No rate per square metre, because the floor area is the easy part and the awkward edges are where the time goes.
Getting to it. A modern semi with a landing hatch and a fitted ladder, a bungalow with the opening in a hall ceiling, and a loft already boarded out and in use are three different half days before a roll is opened. A hatch on a landing you can stand a ladder under is one job. A hatch over a stairwell, a crawl space you can only move through on your knees, or a loft full of boarding that has to come up and go back, is time before any material is laid.
What is up there now, and what it is sitting on. Old material that has to come out, be bagged and taken away is a cost before anything new goes down, and so is a loft full of boxes that has to be emptied and put back. Joists at 400 centres with a flat run across them is a different afternoon from a trussed roof full of bracing.
Ventilation, and the edges nobody reaches. Insulation stops at the wall plate and the eaves have to stay clear, or you trade a warm bedroom for a wet roof. Getting depth right into the corners and around the hatch, boxing over downlighters and lagging anything that now sits in the cold, is most of the labour. Approved Document L sets what the work is expected to reach.
Comparing quotes? Ask what depth is actually being laid and in how many layers, whether the old material is coming out or being covered over, whether the eaves are being kept clear, what happens to anything you store up there, and whether the hatch and the pipework are included. Two quotes for the same job are usually two different jobs.
If the loft is wet
Water running off the felt, or mould on the underside

Ring rather than use the form. Droplets on the underside of the felt, black mould spreading across the roof timbers, or insulation that is visibly damp are all telling you the same thing: warm wet air is getting into a space that cannot breathe. That does not wait, because it is the timbers that pay for it. We look before anything is added, because putting more insulation into a loft that cannot ventilate makes it worse. Three Legged Cross is a short run out for us, so a loft that is wet gets looked at within a day or two. The phone is answered 24 hours for emergencies; scheduled work runs Monday to Friday, 8am to 6pm.
Worth knowing
A newer house is not a finished house
Four in ten homes here went up in the twenty five years or so before the financial crash, which is recent enough that most owners assume the loft was done properly and never look. The material up there is usually still neat, still dry and still exactly as deep as the day it was laid, and that is the problem. What counted as enough when the house was built is well short of what is expected now, and it was laid between the joists rather than over them, so the timber has been leaking heat through the ceiling ever since.
It also means the work is simple and quick here, which is worth knowing before you put it off. There is rarely anything to clear out, the roof space is dry, and the second layer goes straight over what is there. The two things that do need attention are the eaves, because a builder laying to the standard of the day often stopped at the wall plate rather than reaching over it, and the boarding, because a lot of these lofts were boarded for storage straight onto the ties. Lift that onto legs and the depth underneath stops being wasted.
Who you are dealing with
A local firm you can check
We cover Three Legged Cross, Verwood, West Moors, Woodlands, Alderholt and the BH21 addresses around them, with Dorset Council for planning and building control. You are dealing with Bournemouth Roofing & Building, the trading name of Bournemouth Roofing & Building Ltd, registered in England and Wales, company number 15471719, which you can look up in a minute. Thomas Hannen's business, and he is the one who comes out to price the job, not a salesman. A verified customer's 10 out of 10 on Checkatrade. The visit and the written quote are both free.
Questions
Three Legged Cross questions we get asked
Our house is not old. Does the loft still need doing?
Almost always, yes. Depth expectations have moved a long way, so a loft laid to the standard of its day is short by today's figures even though the material is in perfect condition. Measure it at the hatch and again at the edge. If it comes back at full depth and carried out over the wall plate, we will tell you to leave it.
How long does it take?
Often less than a day in a newer house. There is usually nothing to clear, so it is straightening what is there, cross laying the second layer, fitting eaves trays and sealing the hatch. It takes longer where boarding has to be lifted and relaid on legs, or where the loft is full and everything has to be moved first.
Can we keep the boarded storage?
Yes, and it should come up onto legs. Boards laid straight onto the ties compress the wool to the depth of the timber and lose most of the benefit. Loft legs lift the deck clear so full depth stays intact underneath. In a trussed roof we also keep the boarded area sensible and near the walls, because a ceiling tie is not a floor joist.
Is it worth doing on a house like ours?
Heat loss through the ceiling is still the biggest single item in most houses of this age, because the walls and windows were built to a much better standard than the roof was. Getting the depth up and the edges finished shows on the heating bill through the winter, and the depth is recorded on an EPC when one is next done.
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Want to know whether yours is already deep enough?
We will measure the depth in the middle and at the edges, check the eaves and the boarding, and put an itemised written price in front of you. The visit and the quote are free.
