Footflaps, your right (in a way)
If you have solid Walls, they will lose more than what will be lost through the loft space.
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However, if you are not going to have the solid Walls insulated, does it not make sense to do the best you can in the other areas that are cheap and easy to treat ??
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Edit- plus, if you have suspended wood floors downstairs, that is a massive heat loss if not insulated.
Loads of gaps and holes, and only 18/22 mm of wood between the inside of the house, and outside air.
Any tips on what to do about Suspended Floors? Often thought about doing something, but it’s hard to get to them and I’d worry about blocking airflow and then having all the joists rot. Thick carpets / rugs on top of them seem like a good start….