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Choosing an Insulation Contractor: What to Ask Before You Commit

Three quotes for the same job routinely differ by thousands, and usually because they are not quoting the same job. Here is how to tell.

Start With the Register, Because the Grant Depends On It

Only a contractor on the SEAI register can carry out grant-eligible work under the Better Energy Homes scheme. Using anyone else does not just risk the quality of the job, it removes the grant, which on external wall insulation is up to €8,000 of the price.

Registration is verifiable and worth verifying. Every contractor listed on this site is drawn from the official register, and the register itself is public, so a contractor found elsewhere can be checked against it in a minute.

Registration is a floor, not a recommendation. It confirms a contractor is entitled to do grant work; it does not tell you they will do it well. That is what the rest of this is for.

The Survey Tells You More Than the Quote Does

A contractor who quotes without seeing the house is guessing, and the number will change. What happens during the survey is the most reliable signal you will get about how the work will go.

For cavity wall, the survey should include a borescope check to confirm the cavity is clear, dry and wide enough to fill. For external wall, it should include how scaffolding will be set up, what happens to downpipes and sills, and how reveals will be detailed. For a converted attic, it should establish which of the four surfaces are being treated.

  • They came to the house and spent real time on it
  • They checked for existing damp and raised it if they found any
  • They explained which material they are using, and why that one
  • They raised ventilation without being asked
  • They told you something you did not want to hear

The best signal is a contractor who says no

A contractor who tells you the cavity is bridged, or the render needs repairing first, or that this is not the right measure for your house, is a contractor doing the survey properly. The one who agrees with everything and quotes on the spot is the one to be careful of.

Comparing Three Quotes That Are Not the Same Job

Quotes for the same house routinely differ by thousands, and the reason is almost never that one contractor is greedy. It is that they have quoted different scopes, and the cheapest one has usually left something out.

Put them side by side on what is actually included rather than on the total. The gaps show up immediately.

CheckWhat to look for
Material and thicknessNamed specifically. "Insulation board" is not a specification
Target U-valueThe finished performance the design is aiming at
ScopeWhich walls, which elevations, which surfaces in a converted attic
Making goodDownpipes, sills, vents and fittings removed and re-fixed
ScaffoldingIncluded or extra, and who is responsible for access
Grant handlingWhether they manage the SEAI application for you
TimescaleA realistic programme, with weather allowance on wet trades
GuaranteeWhat is covered, for how long, and by whom

The Things That Should Stop You Signing

None of these are subtle, and all of them turn up regularly. Any one on its own is a reason to take the other two quotes more seriously.

  • A price given over the phone, without seeing the house
  • Pressure to decide today, or a discount that expires
  • A large deposit up front, well beyond materials
  • Cash only, or a reluctance to put the quote in writing
  • No mention of the SEAI register, or vagueness when you ask
  • No survey of the cavity before quoting to fill it
  • A quote that does not name the material or the thickness

Who Handles the Grant

There are two routes and they feel very different at the point of paying. Through a One Stop Shop the grant is taken off the price up front, so you pay the net figure. Applying yourself means paying the contractor in full and SEAI paying you once the work is signed off.

Neither is better in the abstract. The One Stop Shop route is simpler and helps if the full amount up front is a stretch; applying yourself keeps you free to use any registered contractor rather than the ones inside a particular scheme. What matters is knowing which route a quote assumes, because a quote that has already deducted the grant and one that has not are not comparable numbers.

Choosing an Insulation Contractor: Common Questions

How Many Quotes Should I Get?

Three. Two leaves you unable to tell which is the outlier, and more than three tends to produce noise rather than clarity. Give all three the same brief so you are comparing the same job.

Is the Cheapest Quote Usually Bad?

Not necessarily, but it is usually a smaller scope. Check it against the others line by line before treating it as a saving, because the gap is often making good, scaffolding, or a thinner board.

What Deposit Is Reasonable?

Enough to cover materials ordered for your job, paid against a written quote, with the balance on completion. A large up-front payment well beyond materials is worth questioning.

Should the Contractor Handle the SEAI Application?

Many will, and it is genuinely easier when they do. What matters is that you know which route the quote assumes, because a price with the grant already deducted and one without it are not comparable.

Do I Need to Be Home During the Work?

For cavity wall, no: it is all done from outside in a few hours. For external wall, access is needed but the house stays liveable. For internal dry lining, rooms have to be cleared and the work is disruptive while it runs.

What Guarantee Should I Expect?

Ask what is covered, for how long, and who honours it, since a guarantee from a system manufacturer and one from the contractor are different things. Get it in writing along with the quote rather than afterwards.

Start With Contractors on the Register

Every contractor listed here is drawn from the official SEAI register, listed by the county they work from. Contact them directly, get three quotes, and compare them on scope rather than on the total.