BB, We finally got every thing worked out between my insurance co, mortgage co, contractor and engineer to start the repairs to our home from Sandy. The engineer was ok, was pretty thorough but my contractor is awesome, does a lot of restorations on these old homes around here and REALLY knows his stuff, even my insurance adjuster was impressed. If you need a GC, let me know, he lives right over the bridge in Stockton, NJ, close by. As far as insulating the floor, I asked the engineer what he recommends in these old houses. Of course, pulling it up was one of his options as well as the crawl space cement, which isn't an option here, no crawl space. He has seen success with spray foam but it can be hit and miss, usually with limited access points since the crap under the floor tends to be random at best. He has also seen a great deal of what he called "over flooring" with a layer of tyvek, then a new subfloor (variety of materials available depending on application) and the new floor on top. May not be "code" in some areas and would raise your floor slightly but it would kill the draft. This works well supposedly but just sounds a bit weird to me. I remember my dad putting in new wood floors in the old house I grew up in and was really surprised, and angry, to keep finding layers of floor as he started pulling the old floor up - made me think of that! He started talking about floating floors too but lost me. Anyone out there know about flooring? Does this over flooring method seem whacked out? What about floating floors?