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Feeling better at home, improving comfort at home, saving money to improve your retirement, while having a positive impact on the environment. All these factors are good reasons to think about insulating your home, whether it is a single-family house or a flat.
Fuel poverty is a scourge, with nearly 5 million "thermal flats" in France, out of 29 million main residences according to the Ministry of Ecological Transition, which published a study on the subject in September 2020. This term refers to housing in category F and G on the DPE - Diagnostic de Performance Energétique - scale. Alongside this, 7 million homes are in category E, corresponding to an average energy performance. If you have a property rated E, you are therefore situated in the national average, but this rating may well make some energy optimisation work relevant.
La solution idéale, c’est bien entendu une rénovation globale: isolation de la toiture, des murs, du sol, des menuiseries, le tout accompagné d’un travail attentif sur les flux d’air et d’humidité, et les zones de faiblesse dans l’isolation (appelées « ponts thermiques »). Selon l’ADEME, l’agence de la transition écologique, jusqu’à 30% des pertes de chaleur se feraient par le toit, 25% par les murs et 15% par les fenêtres. Bien entendu, chaque logement présente ses spécificités propres, il convient donc de commencer par un diagnostic précis.
"Hot air rises". Therefore, insulating the roof to prevent the warm air accumulated at the top of the house from escaping is often recommended by professionals, and rightly so. The most common technique is to insulate the roof from the inside. In practice, this involves applying a layer of insulation to the roof structure and covering it with a wall covering to restore the room's appearance. If the attic is not inhabited, it is possible to place insulation on the floor of the attic, which is a simpler solution to implement.
This is often an essential step in a renovation project. By changing your single-glazed windows for modern double-glazed windows, you will be sure to reduce the coldness felt in your home due to cold glass, and can easily lower your heating thermostat.
La solution la plus radicale consiste à remplacer entièrement les fenêtres: le dormant (partie immobile fixée dans le mur), et l’ouvrant (partie mobile). Cela permet de maximiser la partie vitrée pour ne pas perdre en luminosité, voire même en gagner. En revanche, les travaux sont importants et vous devrez bien souvent embellir à nouveau vos murs : plâtre, peinture, papier peint... Sans changer intégralement vos fenêtres, il est possible de ne changer que le dormant. C’est une solution plus simple à mettre en œuvre, qui ne règlera pas tous les défauts d’isolation de vos menuiseries, mais aura déjà un bon effet sur l’isolation thermique et acoustique.
Several materials are possible, depending on your budget and taste. PVC, aluminium or wood, each with its own advantages and disadvantages. To combine the advantages of the different materials, it is also possible to opt for a combination of wood and aluminium or PVC and aluminium.
Be aware that old, poorly insulated windows often have the advantage of providing ventilation in your home. Replacing them with perfectly airtight windows may cause humidity problems, which should be anticipated by reviewing the ventilation system in your home.
Deux techniques existent: l’isolation par l’extérieur ou l’isolation par l’intérieur. L’isolation par l’extérieur présente un excellent niveau d’efficacité. Il s’agit de mettre en place une deuxième couche autour du logement, pour réduire considérablement les échanges d’énergie entre l’intérieur et l’extérieur. C’est bien souvent l’occasion de faire une transformation esthétique, mais ce n’est pas toujours possible, par exemple pour des biens historiques avec un cachet ou bien protégés, et fait l’objet de contraintes administratives parfois fastidieuses.
If the facade is in good condition, it may be possible to insulate under plaster, which consists of attaching insulating panels, for example in polystyrene, to the facade before covering them with a flexible mesh and a finishing plaster. It is also possible to insulate under cladding, with strips of glass wool or rock wool trapped under PVC, composite, aluminium or wood cladding.
It is also possible to insulate the walls from the inside, with insulating panels or with insulating material under a metal frame. Note that this will necessarily reduce the living space of your home.
Les travaux d’isolation d’un logement ont un coût important, qui va dépendre de nombreux paramètres: surface, types de travaux, matériaux choisis, etc... L’efficacité de ces travaux n’est plus à démontrer, et le retour sur investissement peut être rapide en termes d’économies d’énergie, étant donné qu’il existe plusieurs aides écologiques à solliciter.
Whether you are a landlord or an owner-occupier, you can benefit from financial aid for your insulation work, such as MaPrimRenov'. Launched on 1 January 2020 to replace the CITE (tax credit for energy transition), the amount of the bonus depends on your income and the ecological gain of the work. There are other forms of assistance, such as the Energy Saving Certificates (CEE), or assistance from local authorities or Action logement. In addition, your work benefits from a reduced VAT rate of 5.5%. For your renovation work, consider choosing a professional with the RGE label.
In addition, as the owner of your home, you have a property portfolio, which has often increased in value over time. To be able to carry out all the renovation work you dream of, it is time to access this real estate wealth by releasing funds to finance your work. With the Reverso Flex solution, Dillan gives you the money you need to complete all your projects. You choose the amount you want to release, with ease!
Do you want to insulate your home? With Dillan, free yourself from your financial constraints!
