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Heat loss through walls, floors and the roof accounts for about 45% of heat loss (or cooling loss, in summer) in a typical home, says Anna Lowen, researcher for the American Council for an Energy efficient Economy. Attics are often the easiest thing to insulate, and rolling out some Owens Corning fiberglass is often a DIY weekend project. Need more incentive? There’s a significant federal tax credit for installing insulation — 30% (up to $1,500) of the cost of materials.