Lafayette, Colorado
Insulation Services in Lafayette, CO
The median Lafayette home dates to about 1994, and roughly 4 in 10 predate 1990 — old enough that original attic insulation, where it's still there at all, is a reasonable bet to be running under today's target. Free in-home estimate, and we'll walk you through Xcel's rebate rules before you sign anything.
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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 — ask what R-value your contractor is quoting to, in writing, and confirm the figure your permit is reviewed against with the City of Longmont's building department. (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 tier, which is open only to homes on Xcel electric service that have central air conditioning and whose heating fuel is not provided by Xcel Energy. (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.
Quick reality check: If your home was built before 1990 and your bills keep climbing, you probably need this. If your home was built after 2010 and your bills are normal, you probably don't. Either way, we'll tell you straight.
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According to the City of Lafayette Building Division, the City of Lafayette adopted the 2024 I-Code package and the 2026 National Electrical Code with an effective date of August 1, 2026, applying to building permit applications submitted on or after that date, and adopted the Metro Cohort Model Code based on the 2024 International Energy Conservation Code as its energy code.
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 measure your current attic R-value, name the R-value it proposes installing, and check whether your project qualifies for Xcel's gas-heat tier (the larger rebate) or the reduced tier, which is open only to homes on Xcel electric service that have central air conditioning and whose heating fuel is not provided by Xcel Energy. Both require a participating contractor and a blower door test.
According to the U.S. Census Bureau, the ACS 5-year estimates are available for the nation, all states, and places (i.e., towns or cities) — the geography behind this site's town-by-town housing-age figures, drawn from the 2020-2024 release, table B25034 for year structure built and table B25035 for median year structure built.
Rebates & credits
What rebates can Lafayette homeowners claim?
Xcel Energy — the gas and electric utility here:
- Xcel Energy Insulation and Air Sealing Rebate — pays a percentage of project cost for gas-heat customers against per-measure caps; ask your contractor for the current rate. A reduced tier applies to Xcel electric customers with central air conditioning whose heating fuel is not provided by Xcel Energy. Requires a participating contractor and, unless a first blower door test already finds the home tight enough by Xcel Energy's own measure, a documented 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.
For current Xcel rebate amounts and program rules, see the Xcel Energy insulation and air-sealing rebates page. Eligibility may depend on program funding levels and qualifying product specifications.
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, Xcel pays a percentage of project cost against per-measure caps — ask your contractor for the current rate. A reduced tier, with lower per-measure caps, applies only where Xcel provides the electric service, the home has central air conditioning, and the heating fuel is not provided by Xcel Energy. Xcel requires a participating contractor and, unless a first blower door test already finds the home tight enough by Xcel Energy's own measure, a documented 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.
Does Xcel's Whole Home Efficiency bonus apply to an attic project?
Possibly — Xcel's Whole Home Efficiency program pays a bonus on the standard rebates you received for each measure when three or more measures are installed within two years of enrolling, and an attic project can count as one of those measures. That is not the only condition. Xcel's own Whole Home Efficiency page also gates eligibility on entering the program first, and it names TWO ways in, not one: "To be eligible for the program, you'll need to schedule a Home Energy Squad Plus visit, or find a qualified, participating contractor to complete a Blower Door or Infrared Home Energy Audit." Either path qualifies — a Home Energy Squad Plus visit is not required if a participating contractor performs the audit, and an audit is not required if you take the Home Energy Squad Plus route. Attic work is a special case worth checking directly: Xcel notes that attic insulation's rebate structure is different through Whole Home Efficiency and points to its own website for the details. The 20% CFM50 reduction is a separate gate again: Xcel Energy's product write-up makes it the standard the underlying insulation rebate has to clear — unless a baseline blower door reading already finds the home tight enough by Xcel Energy's own measure — rather than a condition Xcel sets on the bonus itself. 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