Loft insulation in Wimborne Minster

Full depth over the joists, the eaves left open, and a proper look at where your loft ends.

The site visit is free and so is the written itemised quote. Thomas Hannen prices every job himself.

Depth is the part everyone asks about and it is the part that takes the least time. The hours go into the boarded floor, the hatch and the last half metre at the eaves, which is where a loft in a town like this actually loses its heat.

Nearly every loft here is in use for something, and that is the first thing shaping the job. Boxes have to come down, a floor has to come up, and what is underneath it is usually a thin layer laid a long time ago and pressed flat ever since.

The other two calls are the cold one and the wet one. Either the top floor will not hold heat whatever the boiler does, or somebody has looked up and found dark timber, a musty smell, or wool that is damp to the touch. The wet one gets looked at first, because more insulation over a roof that cannot clear its own moisture makes matters worse.

So we come and look before anyone talks about product. What is up there, how deep it truly is, whether it goes on past the wall plate, whether the eaves have been packed, and what the ceiling below will take. You get photographs and a written quote pricing the clearing out, the disposal, the trays at the eaves, the hatch, the boarding and the depth as separate items. The site visit and the quote are both free.

The job itself

Insulating a loft you still want to use

Mineral wool insulation laid between and over the ceiling joists in a loft
Two layers, crossedThe second layer runs across the joists so the timber stops being a cold bridge.

The boarded loft problem. Most lofts in this town are working storage. Cases, boxes, the tree, a spare bed. Whoever laid the floor screwed the boarding straight onto the joists, so the wool underneath has been compressed to a third of its thickness and is doing about a third of its job. What is left has usually settled, gone patchy in the traffic lanes and stopped short at the edges. Lifting that floor, clearing what is under it and building the depth back is the commonest single job we do here, and access is one hatch, so crawl boards go down before anybody moves off it.

Getting depth back under a floor. With the boards up and the old material bagged, wool goes between the joists and a second thickness is cross laid over the top the other way, so no timber is left standing proud to carry cold into the room below. Two layers, about 270mm finished. Approved Document L sets that as the standard for a loft being renovated. Open runs take rolls of mineral wool, sold as glass wool or as rockwool depending on the maker. Batts suit the bays between trusses, loose fill goes where neither will follow, and sheep wool is there for anyone who would rather have it. The point of all of it is a lower U value over the ceiling, because that ceiling is the biggest single route for heat loss in the house, and it turns up on the heating bill and on the EPC.

Then the floor goes back, higher. Loft legs stand on the joists and carry the boards clear above the finished insulation, so the raised floor gives you the storage and the depth underneath is left alone. The loft ladder is reset so it still lands on the platform. It costs a little more in materials and it is the whole difference between a loft that is insulated and one that only looks it.

The hatch. A loft hatch is a hole in a ceiling and it behaves like one. Warm damp air off the landing goes up round the edge of a bare plywood flap all day, and the draught coming back down is the one people feel on the stairs. It takes rigid board fixed to the top face and a compression seal round the rebate so it shuts onto something.

Air at the edges. The wool stops on the wall plate and never goes past it. That air gap is where the roof draws its air, and it needs it more once the ceiling is insulated, because the dew point moves up into a space that has just been made colder. Vent trays hold the gap open. Cross ventilation then does the rest, moving moist air up the slope and out under the ridge, helped by a ridge vent where one exists. Modern breathable membrane is forgiving. The bitumen felt underlay in the older streets is not. Pack the eaves and you get condensation, wet material and black mould on the timbers instead.

The things that live up there. The cold water tank is lagged and its pipework with it, since the loft is a colder place the day after than the day before. Wiring and cables come up onto the wool instead of lying underneath it. Fire rated covers go over recessed lights and downlighters. None of it is dear, and all of it is what gets left off a quote that looks cheap.

Flats and rooms in the roof. A third of the homes in the town are flats, many of them in older houses that were divided, and the roof space over a top floor flat usually belongs to the freeholder rather than to you. We will still survey it, and the quote is written so it can go to an agent or a management company without being done twice. Where the roof has been made into a room there is no loft floor at all. That is rafter level work: board goes between the rafters, an air path is kept open above it, another layer runs underneath, and the build up is closed with taped vapour control. Multi-foil earns its place only where a sloping ceiling or a dormer cheek is too shallow for anything else.

How it runs

From your call to a written price

Rigid insulation board fitted between the rafters in a loft
Board where depth is shortRigid board earns its place where the headroom will not take quilt.

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.

Insulating inside a loft is not development and there is nothing to apply for, which Planning Portal guidance on insulation sets out. The Wimborne Minster conservation area covers the old town and controls what the roof looks like from the street rather than what is under it, and where a building is listed listed building consent is needed for internal work as well. Building control applies everywhere: regulation 23 means renovating more than half of a thermal element brings the whole of it up to the Part L standard, and Dorset Council handle both. Insulation in a home is treated differently for VAT under HMRC VAT Notice 708/6.

Cost

What decides the price of a loft

A loft insulated at rafter level with the gable filled and a rooflight fitted
At rafter levelA room in the roof is a different job from a cold loft floor.

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 town centre terrace with a small hatch over the stairs, a top floor flat in a divided house, and a modern semi with a boarded loft are three different mornings before any material 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

Plasterboard taped and jointed on a lined loft wall
Lined, then tapedWhere the loft becomes a room, the boarding and the joints come next.

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. Wimborne is under seven miles from us, so a damp loft is usually seen the same day or the next, and nothing is added until we know whether it is air or water. The phone is answered 24 hours for emergencies; scheduled work runs Monday to Friday, 8am to 6pm.

Call now: 07435 839745

Worth knowing

Where does your loft actually stop

A fifth of the homes here are terraced and a third are flats, which means a great many roofs in this town cover more than one household. In the older houses the wall between you and next door does not always carry on up through the loft. Sometimes it stops at ceiling level and the roof space runs straight over the top of it.

That is worth finding out before anyone orders material. Insulating up to an open party wall leaves you paying to heat a shared space, because the warm air simply moves sideways into the cold half. It also matters for reasons that have nothing to do with heat: a party wall is supposed to be carried up to the underside of the roof, and where it is not, smoke and fire have the same easy route as your warm air.

So we look, tell you what we find, and put it in writing whether you use us or not. Where the wall does go up, the insulation is taken tight to it and the job is ordinary. Where it does not, we say so, and closing it up is a conversation with your neighbour and, if it comes to building work on the wall itself, with the Party Wall etc. Act 1996 to consider before anyone starts.

Who you are dealing with

A local firm you can check

We cover Wimborne Minster, Colehill, Pamphill, Furzehill 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

Wimborne Minster questions we get asked

My loft is boarded. Do the boards have to come up?

Almost always, because anything screwed flat to the joists has compressed the wool underneath. The floor comes up, the depth is restored, and the boards go back on loft legs so you keep the storage.

How deep should it finish?

Around 270mm in two layers, the upper one crossing the joists. One run level with the timber leaves every joist carrying cold into the room below it.

Do I need consent in the conservation area?

Not to insulate. It is inside the roof and nothing about it shows from the street, so there is nothing to apply for and your permitted development is untouched. What the designation affects is anything visible on a slope, such as a rooflight or tile vents, and a listed building needs consent for internal work as well.

I live in a flat. Can the roof space be done?

Sometimes, but in a divided house it is normally the freeholder's rather than yours. We look at it, say who owns what, and set the quote out so it can be passed on.

How long is the loft out of action?

A day for most. Longer where a floor has to come up and go back, or where old material has to be cleared and bagged, and we put which it is on the quote.

Free quote

Book a look above the ceiling

We come out, see what is up there and put the depth, the ventilation and the hatch in writing. The visit and the quote are free.