Why insulation must be replaced
- Porous materials absorb particulates and VOCs
- Smoke odor persists even after surface cleaning
- Off-gassing continues for months
- Cleaning methods (vacuuming, HEPA) don't remove embedded contamination
Types of insulation affected
Fiberglass batt
- Absorbs particulates in fiber structure
- Must be removed and replaced
- Vapor barrier also contaminated
Blown cellulose
- Highly absorbent
- Complete removal and new installation required
Spray foam
- Closed-cell somewhat resistant on surface
- Open-cell requires replacement
Rigid foam board
- Surface cleanable; replacement if extensive
Documenting the scope
- IH report specifying affected materials
- Air sampling showing VOC levels
- Odor assessment
- Smoke residue evidence (wipe sampling)
- Attic or wall-cavity inspection
Carrier arguments and counters
- "Clean the insulation": impossible per IH protocols
- "Only visible-damage insulation": contamination extends beyond visible
- "Encapsulate instead": doesn't remediate odor long-term