When I built a block home I had the option of adding foam. The designer I was working with said it would not pay for itself and I did not add it. The home seems to be more on the hot side in the FL winter and I run the A/C (don't know if the windows open) to cool it down some times. I do not see a problem in the summer. I think the answer depends on how well the home is constructed. You might not need it in a well constructed home.
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