When it comes to making your home more energy-efficient as well as preparing for the colder weather of the winter months in particular, roof insulation is one of the most impactful upgrades you can invest in. However, with rising energy costs and environmental concerns, finding affordable solutions is essential for UK homeowners. Fortunately, there are government-backed schemes that offer significant grants to help with the cost of insulation. Whether you’re looking at loft, flat roof, or room-in-roof insulation, these grants can make the process virtually free for many households.
In this guide, we’ll walk you through everything you need to know about securing a roof insulation grant, focusing on two key schemes: the Great British Insulation Scheme (GBIS) and the Energy Company Obligation which is in its fourth phase (ECO4). Both schemes are designed to make homes warmer and more energy-efficient while offering specific benefits for different types of insulation.
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Did you know that up to 25% of household heat can be lost due to a poorly insulated roof?
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Energy companies are funding home upgrades, but these grants will end once they’ve met their legal obligations—so they won’t be around for long.
What are the differences between the ECO4 scheme and the Great British Insulation Scheme (GBIS)?
1. Scheme Purpose and Scope:
– ECO4 Scheme (Energy Company Obligation – Phase 4):
ECO4 is primarily focused on helping low-income and vulnerable households in the UK. The goal is to reduce carbon emissions and alleviate fuel poverty by improving energy efficiency.
This scheme offers a broader range of energy-saving measures, including insulation, heating upgrades (like boiler replacements), and renewable energy installations (such as heat pumps or solar panels), depending on the property’s energy performance.
ECO4 is targeted at households with poor energy efficiency, particularly those with an EPC rating of D, E, F, or G. The scheme also focuses on homes with inefficient heating systems.
Vulnerable groups (such as pensioners, people with health conditions, and those on specific benefits) are prioritised under ECO4.
– Great British Insulation Scheme (GBIS):
GBIS is part of the UK government’s broader push to improve energy efficiency across a wider spectrum of UK households, including the general population and low-income groups. However, under the GBIS, only one insulation measure is available per property.
The Government announced the scheme at the end of March 2023. The £1 billion scheme aims to help around 300,000 households across the country with the cost of installing new home insulation. The scheme is scheduled to run until March 2026.
What you need to know about GBIS statistics
The scheme primarily focuses on insulation measures, particularly for loft, flat roof, and room-in-roof insulation. It aims to reduce energy waste and lower household bills.
GBIS is open to more households than ECO4, as it’s more accessible to the general public, including homeowners who are not necessarily considered vulnerable.
The scheme is less focused on heating system upgrades and renewable energy installations than ECO4, although it does include options to install heating controls (for low-income eligibility group only).
2. Eligibility Criteria:
– ECO4 Scheme:
Eligibility is more restrictive and targets vulnerable households. To qualify, your property must generally have an EPC rating of D or lower (only 15% of funding can be spent on Band D properties so energy companies are mostly accepting E rated properties). Additionally, you must either:
- Claim certain government benefits (such as Universal Credit or Pension Credit),
- Be classed as vulnerable due to health conditions, or
- Be part of a local authority’s LA Flex scheme, which helps those who don’t meet strict benefit criteria but still need support.
The funding is also usually directed toward homes with inefficient heating systems and those that require more substantial energy efficiency upgrades.
– GBIS Scheme:
This scheme has a wider scope, targeting both low-income households and general households.
Unlike ECO4, GBIS is less concerned with heating systems or specific vulnerability criteria, meaning many UK households can apply regardless of their income or health status, as long as they meet the EPC requirement.
3. Type of Measures Covered:
– ECO4 Scheme:
Offers a comprehensive range of energy-saving measures and accessories, including insulation, heating system upgrades (boiler replacements, heat pumps), and renewable energy installations (solar panels in electric properties).
ECO4 is designed to tackle deeper, more extensive energy efficiency improvements, often making a significant difference in hard-to-treat homes.
– GBIS Scheme:
The scheme is focused on insulation, specifically single measure installations of loft insulation, room-in-roof insulation, and flat roof insulation.
One of the disadvantages of this scheme is that it does not cover the same range of heating and renewable energy installations that ECO4 does, making it more narrowly focused on reducing heat loss through improved insulation.
4. Funding and Availability:
– ECO4 Scheme:
Funded by energy suppliers as part of their obligation to reduce carbon emissions. The funding is provided based on household need, and in some cases, the insulation or heating upgrade could be completely free if the property attracts enough funding.
Funding for heating systems and renewables is also available, but only for eligible homes with the lowest EPC ratings and the greatest need.
– GBIS Scheme:
Also funded by energy suppliers, but its focus is on making insulation improvements more widely available. It aims to help a broader spectrum of UK households reduce energy consumption and costs.
Many households can receive insulation for free or at a subsidised cost if their property qualifies for enough funding. An additional requirement of the General group of GBIS is that properties must be within Council Tax bands A to D in England and A to E in Scotland and Wales.
What is Roof Insulation and Why Does Your Home Need It?
Roof insulation is a critical component in keeping your home warm during the winter and cool during the summer. It works by creating a barrier that reduces heat loss, helping your property retain warmth. In the UK, where energy prices continue to climb, effective roof insulation can lower heating bills by as much as 25%. Not only does this improve comfort, but it also reduces your home’s carbon footprint.
But did you know that your home’s roof type will determine which insulation method you’ll need? Whether it’s a traditional loft, a flat roof, or even a room-in-roof, the right insulation can make a world of difference. Plus, thanks to government schemes, you might qualify for grants that cover the cost entirely.
Types of Insulation Covered by Government Grants
- Loft Insulation
- Room in roof Insulation
- Flat roof Insulation
- Other Insulation also available
Insulating a Loft
Loft insulation is one of the most common types of roof insulation and is especially effective in homes with unused loft space. It involves laying rolls of insulation material between and over the loft roof joists and beams, including the loft floor. With loft insulation products which come in a range of thicknesses, you can reduce energy waste and save hundreds on your energy bills. Including a loft option for roof insulation is a wise choice, especially when considering the role of insulation in moisture control, which is crucial for maintaining the structural integrity and comfort of your home.
Who Qualifies?
Under both the Great British Insulation Scheme and ECO4, many households can qualify for free or subsidised loft insulation. In the Great British Insulation Scheme, if your EPC rating is D or below, you may be eligible, with the property receiving enough funding to make the installation free. Most pensioners, low-income households, and those with benefits are likely to qualify under ECO4, as well as having a property EPC rating of D or below. With generous grants available through both schemes, there’s no need to consider DIY insulation that might not do the job effectively.
Flat Roof Insulation
Flat roof insulation involves installing insulation boards on top of or underneath your flat roof and in-between roof joists. The insulation board is essential for homes with flat roofs that are prone to heat loss. Without the use of insulation products and choosing the right insulation material type, such as a protective membrane covering, a flat roof can lead to significant energy inefficiency, driving up your bills.
Who Qualifies?
As part of the Great British Insulation Scheme, flat roof insulation is available to a wider group of UK households. As long as your home has an EPC rating of D or below, you could benefit from full or partial funding. For the ECO4 scheme, only households that meet vulnerability criteria, such as having a health condition or claiming certain benefits, can apply if the EPC rating is D or below.
Room-in-Roof Insulation
Room-in-roof insulation is designed for homes where the loft space has been converted into a living area. Considering this insulation option not only maximises energy efficiency but can also offer excellent soundproofing benefits, ensuring a quieter and more comfortable living space. This type of insulation covers the walls, ceilings, and floors of the converted room, helping keep the space warm and cosy.
Who Qualifies?
Households with a room in their roof can qualify for grants under both schemes. For the Great British Insulation Scheme, the general group (low income) can apply, and as long as your EPC rating is D or lower, you may be eligible for full funding. In ECO4, room-in-roof insulation grants are available mainly for vulnerable households, especially those on benefits or with health conditions. Again, your home needs to have an EPC rating of D or below, and inefficient heating systems must be present to qualify.
How to stay informed about insulation options
It’s important to note that the rules and eligibility criteria for these grants are constantly evolving. To stay up-to-date with the latest information and ensure you don’t miss out on any new opportunities, we recommend registering for updates with Energy Saving Genie. The easiest way to do this is to input your address into our free grant checker. By doing so, you’ll receive timely updates and guidance on available grants and energy-saving measures that suit your needs.
EPC Ratings Explained: Why Does it Matter for Roof Insulation Grants?
Both the Great British Insulation Scheme and ECO4 require homes to meet specific EPC rating criteria. But why is this important? The Energy Performance Certificate (EPC) is used to assess a property’s energy efficiency. Properties with lower ratings (D, E, F, or G) are more likely to benefit from insulation improvements, which is why they are prioritised in these schemes.
For both schemes, the property must have an EPC rating of D or below to qualify for funding.
How to Apply for Roof Insulation Grants
Applying for insulation grants can be a straightforward process, and there’s plenty of support available to help you navigate it.
Here’s how you can apply:
- Check your eligibility: First, assess your eligibility by checking your home’s EPC rating and confirming whether you fall under the vulnerable or general group. Check eligibility here.
- Be connected to a registered installer: Once you’ve confirmed eligibility, use Energy Saving Genie’s free grant checker to be connected to a registered installer who can guide you through the application process.
- Get your insulation installed: After approval, a government-registered Trustmark installer will visit your property to assess the insulation needs and schedule the installation.
Many UK households are unaware of the funding available to them, and these schemes can make a huge difference in reducing your energy costs.
Roof Insulation Measures Installed to Date – a comparison
ECO4 scheme
As of the start of September 2024, a total of 96,766 roof insulation* measures have been installed through the ECO4 scheme.
- Loft insulation – 81,724
- Room-in-roof insulation – 11,801
- *Other insulation (including, but not limited to, flat and pitched roof insulation) – 3,241
Source – Ofgem.gov.uk
Great British Insulation Scheme
24,700 insulation measures have been installed in 19,800 households up to the end of July 2024 (since the start of the GBIS). Of these, roof and loft insulations accounted for 26% or 6,500 measures.
Other measures include cavity wall insulation and heating controls.
Source – Gov.UK
Why Choose Energy Saving Genie to Help?
At Energy Saving Genie, we’re experts in helping homeowners like you navigate the sometimes confusing world of energy grants. From loft insulation to room-in-roof and flat roof insulation, we’ve helped countless UK households make their homes warmer and more energy-efficient—all without breaking the bank.
We make it easy for you to check your eligibility, apply for grants, and start saving on your energy bills. With rising energy prices and colder winters on the horizon, now is the perfect time to see if you qualify for free insulation.
FAQs About Roof Insulation Grants
Can I get a grant for roof insulation under the ECO4 scheme?
Roof insulation grants are included in the ECO4 scheme, but the eligibility is more restricted. The GBIS offers access to grants for a wider group of people.
How much could a roof insulation grant save you?
The Energy Saving Trust estimates that adding roof insulation to your property could save you, on average, £380 per year for a detached house.
Do I need to go through the GOV.UK website?
No! Simply use our free grant checker to see if you qualify and apply for grants. You can also register with us for updates related to roof insulation.
Are the grants only available to those claiming benefits?
That’s not the case, as grants for roof insulation can be accessed by low-income group, people classed as vulnerable, and a general group. Even if you don’t claim any benefits, you can be eligible through the general group.
What benefits are included in the low-income group of the Great British Insulation Scheme?
• Child Tax Credit
• Housing Benefit
• Income-based Jobseekers Allowance (JSA)
• Income related Employment and Support Allowance (ESA)
• Income Support
• Pension Credit Guarantee Credit
• Pension Credit Saving Credit
• Universal Credit
• Working Tax Credit
(Child Benefit is also a qualifying benefit but if you only get Child benefit you also need to meet income rules)
What health conditions or other factors are included in the low-income group of the Great British Insulation Scheme?
The eligibility groups for the Great British Insulation Scheme are the same as those for the ECO4 grant scheme. Applicants can qualify through:
- claiming an eligible benefit
- claiming child benefit and meeting income rules
- having a health condition
- having annual household income under £31,000
- being vulnerable to the effects of living in a cold home
If you don’t meet any of the low-income criteria, you will instead be able to access funding through the ‘general’ group.
How do I know what my Energy Performance Certificate rating is?
Homeowners can check their EPC rating on the government website, but it’s even more efficient to use our free grant checker. It integrates with the gov.uk Energy Performance Certificate register, allowing you to check your EPC rating and see if you’re eligible for roof insulation grants all at once. It’s a win/win for saving energy and staying warm!
Where is the Great British Insulation Scheme available?
The Great British Insulation Scheme (GBIS) is available in England, Scotland and Wales.
Where is the Energy Company Obligation (ECO4) available?
The Energy Company Obligation (ECO4) is available in England, Scotland and Wales.
Am I eligible for the Great British Insulation Scheme Local Authority Flex?
Your local authority may contact you about the Great British Insulation Scheme through its Local Authority Flex element. This part of the scheme allows local authorities, along with the Scottish and Welsh governments (known as Devolved Administrations), to refer households to energy suppliers for energy-efficiency upgrades. Local authorities and Devolved Administrations can identify low-income or vulnerable households who aren’t receiving the means-tested benefits listed under the scheme’s eligibility criteria, but who could still benefit from improvements like roof insulation.
Energy suppliers can also refer households through the Great British Insulation Scheme Flex. This includes households struggling with ongoing fuel debt, those supported by energy suppliers, or those using pre-payment meters who have difficulty staying connected due to financial hardship.
If your local authority or Devolved Administration is participating, they can make a joint referral for both ECO4 Flex and Great British Insulation Scheme Flex, as the eligibility criteria are quite similar. If a supplier takes your referral forward, a retrofit assessor will visit your home to evaluate whether your property qualifies and what measures—such as roof insulation—would be most beneficial.
You could qualify for the Great British Insulation Scheme Flex if:
– Your home requires energy-efficiency upgrades, and:
– Your household’s combined gross annual income is under £31,000, or
– Someone in your household has a severe or long-term health condition made worse by living in a cold home, such as:
– Cardiovascular conditions
– Respiratory diseases
– Limited mobility
– Immunosuppression
There are additional criteria local authorities and Devolved Administrations can use to identify low-income, vulnerable, and fuel-poor households. You can contact your local authority or visit their website to see if they’re participating in the scheme and whether you might be eligible. Some local authorities also allow self-referrals, so it’s worth checking their website or contacting them directly for more information.
It’s important to remember that eligibility doesn’t guarantee that an energy supplier or installer will proceed with installing energy-efficiency measures like roof insulation in your home.
Roof insulation isn’t just an energy-saving measure; it’s a necessity for many UK households facing rising energy costs. With the Great British Insulation Scheme and ECO4, there are plenty of opportunities to secure free insulation for your loft, flat roof, or room-in-roof. By insulating your home, you’ll save on bills, improve comfort, and contribute to a greener future.
Ready to get started? Check your eligibility today and begin your journey toward a warmer, more energy-efficient home.
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