Should I add insulation to my attic?

Yes, adding attic insulation is one of the most cost-effective energy improvements you can make. Heat rises, so an under-insulated attic is the biggest source of heat loss in winter and heat gain in summer. The recommended R-value for attics in New Jersey is R-49 to R-60. Most older homes have far less. The payback period is typically 2 to 5 years.