I started following Velvetfoots discussion here and didn't want to hijack his thread too much so I started a new one. Here is Velvetfoots discussion on spray foam in an attic: http://www.hearth.com/talk/threads/spray-foam-under-roof-decking.100006/ I am interested in becoming more energy efficient and wanted to add insulation to my attic. I had a contractor come over and he does all types of insulation but I can tell he is very partial to spray foam. He did say my application was great for spray foam because I have a ranch with an incredible amount of recessed lighting. He said the higher cost of spray foam would be offset by the labor charges on a traditional attic insulation (air sealing, building a plywood walkway, and air sealing my recessed lighting) His quote was: $6600 spray foam roof 5" open cell $1020 spay ignition barrior over attic spray foam $1180 3" spay foam basement rim joists $200 air seal in attic $250 duct sealing $175 repair some attic ductwork insulation $7133 after local rebates. Now my yearly electric is approx $2200 my yearly oil bill (prior to wood insert install)$3200 for a total of approx $5400. Even if he saved me 10% (which I think is high) that would be $540/year for a 13 year payoff. Am I doing that right? If I am that is totally not worth it. Especially considering that I should be using MUCH LESS oil than prior years since we now burn 24/7 in the living areas of the house. I would rather put that money towards a new 2 zone central A/C and possibly extra insulation done by me?