Why insulate
Why do Lafayette homes need insulation attention?
Lafayette's housing stock is moderately old by this service area's standard: about 4 in 10 Lafayette homes predate 1990, and the median home dates to about 1994 (Census Bureau American Community Survey 5-year estimates, 2020-2024). That's younger on the whole than Longmont's or Louisville's housing stock, but a meaningful share of Lafayette homes still carry original, decades-old attic insulation.
Lafayette's utility picture is simpler than Longmont's: Xcel Energy is confirmed as both the gas and electric utility here, so there's no second electric-utility rebate to check eligibility against. One rebate program, one set of rules, one application.
The practical result: a Lafayette insulation quote should confirm your current R-value against Climate Zone 5B's target and check whether your project qualifies for Xcel's gas-heat tier (the larger rebate) or the reduced electric-only tier. Both require a participating contractor and a blower door test.
According to the International Energy Conservation Code, “the 2021 IECC (R402.1.2) sets attic insulation minimums at R-49 to R-60 for Climate Zone 5.”
Rebates & credits
What rebates can Lafayette homeowners claim?
Xcel Energy — the gas and electric utility here:
- Xcel Energy Insulation and Air Sealing Rebate — 30% of project cost for gas-heat customers, up to $500 for attic insulation, $350 for wall insulation, and $400 for air sealing, with a 1.5x multiplier when the heating fuel is Xcel gas. A reduced tier ($15–$60 per measure) applies to Xcel electric customers whose heat is not Xcel gas. Requires a participating contractor and a blower door test documenting at least a 20% reduction in CFM50.
Xcel's rebate excludes new construction, additions, garages, sheds, and mobile homes. Ask your contractor to confirm your project scope and heating fuel qualify before assuming a figure.
According to Xcel Energy, “Xcel's insulation and air sealing rebates pay 30% of project cost for gas-heat customers, up to $500 for attic insulation, $350 for wall insulation, and $400 for air sealing, with a 1.5x multiplier for customers whose heating fuel is Xcel gas.”
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We've Got It. Here's What Happens Next.
We've got your info and are routing it to a local pro. When they call, here's what to look for in the quote you receive: (1) R-value target — the model energy code for Climate Zone 5 calls for R-49 to R-60 attic insulation; ask what your contractor is quoting to. (2) Air sealing scope — insulation alone does nothing if air leaks aren't sealed first, and Xcel requires a blower door test to rebate it. (3) Rebate handling — ask whether your project qualifies for Xcel's gas-heat tier or the reduced electric-only tier. (The federal IRA Section 25C tax credit ended December 31, 2025 — no federal insulation credit applies to 2026 work. Xcel Energy's insulation and air-sealing rebate remains active for its gas and electric customers here.) (4) Removal scope — older homes often need old insulation removed before new install. If a quote skips all four, get another quote.
Frequently asked
What do Lafayette homeowners ask most about insulation and rebates?
Does Lafayette have its own separate electric-utility rebate, like Longmont does?
No. Lafayette is confirmed Xcel-electric — Xcel Energy serves both gas and electric here, so there's a single insulation rebate program to check, not two. Longmont's situation (a second, Longmont Power & Communications-only rebate) doesn't apply in Lafayette.
What does Xcel's rebate actually pay for a Lafayette attic project?
For gas-heat customers: 30% of project cost, up to $500 for attic insulation, with a 1.5x multiplier applied when the heating fuel is Xcel gas. A reduced tier (lower per-measure caps) applies if your heat isn't Xcel gas. Xcel requires a participating contractor and a blower door test documenting at least a 20% reduction in CFM50.
Should I do this if my Lafayette home was built after 2010?
Probably not yet. Post-2010 Lafayette homes were built to recent code, with attic insulation well above the pre-1990 baseline. If your bills are normal and comfort is fine, hold the money. The 10-15 year mark is typically when settled batts and unsealed penetrations start costing you — that's when it's worth another look.
Can I bundle Xcel's Whole Home Efficiency bonus with an attic project?
Possibly — Xcel's Whole Home Efficiency bonus pays an additional 25% when 3 or more qualifying measures are completed within 2 years, but it requires a documented 20% reduction in CFM50 verified by a blower door test before and after the work. Ask your contractor whether your planned scope qualifies before assuming the bonus applies.
Do you serve all of Lafayette?
Yes — all of Lafayette, plus Longmont, Louisville, and Niwot. Service areas listed at the bottom of this page show where we work regularly.
Service area
Where do you provide insulation services in and around Lafayette?
- Lafayette
- Old Town Lafayette
- greater Lafayette area