Great topic.
There are different opinions on this, but for the record, I have taken many classes on the subject, and have no ulterior motives here. I am not selling anything.
I'll try to keep this brief, but as a person who is in over 400 attics a year inspecting, I will share with you my views.
The newer homes have radiant barriers installed on the underside of the roof sheathing during construction. That is fine and does help. Cost increase in minimum and it does not disturb the insulation, etc.
Aftermarket radiant barriers are cost prohibitive. Engineers say that at best you may save 5-10% on your electric bill. Often, portions of it fall down after a few years. If the top of it gets dusty, (and it will) you will lose effectiveness. Basically not recommended. Very long payback time, if any.
You would be better off after having everything you want done aftermarket in your attic, (solar tubes, can lights, etc) adding another 4-6 inches of insulation to go from an R-30 to at least an R-38.
The experts views on attic insulation and ventilation are changing everyday. I believe that ten years from now you will see big changes on how we handle both in a new home.
Frank
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Florida licensed Home Inspector #HI688. (352) 250-7818
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