Insulation is great, but there is diminishing returns. And insulation is not free. So at some point it is not worth adding more insulation. The heat is not going through the insulation you have so why spend money on more? Especially if you have areas with little or no insulation most of the heat will go through there. It is a waste of money to buy more insulation in your attic if most of the heat transfer is in the joint between the roof and walls.
You can’t fill the entire attic with insulation because you need to have airflow. Without adequate airflow you get mold. You also need to have room to move around to deal with things like rodents or other infestations. In many places the furnace is in the attic, or the air handler for the AC/heat pump, as well as all the ducts for the HVAC system, and you need to have easy access to all of those.
Here’s an article…
[https://www.energyvanguard.com/blog/the-diminishing-returns-of-adding-more-insulation/](https://www.energyvanguard.com/blog/the-diminishing-returns-of-adding-more-insulation/)
Basically, it’s the law of diminishing returns. There’s a chart on the above sight that has very easily understood graphics of BTU’s of energy saved vs R value. Once you get above the 18 to 22 R value range, the return on investment is minimal UNLESS your energy costs are very high or you live in an extreme climate.
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