You've heard spray foam insulation is the best thing since AC. You've also seen the price tag. So let's cut through the marketing and look at the actual numbers for Florida homeowners.
Short answer: In Florida, spray foam is one of the highest-ROI home improvements you can make. But it's not for every situation.
The average Naples homeowner pays $3,000-4,000/year to FPL. After spray foam in the attic, that drops to $1,800-2,800/year. That's $900-1,400 in annual savings — every year, for 20+ years.
If you spend $2,500 on open cell spray foam after FPL rebates, you're looking at a 2-3 year payback and then pure savings.
Hot spots disappear. The room over the garage is finally livable. The upstairs bedrooms match downstairs. Your AC doesn't run constantly. Every homeowner who upgrades tells us: "I didn't realize how uncomfortable my house was until it wasn't."
Spray foam creates an air seal that stops humid outdoor air from infiltrating your home. In a state with 80-90% humidity half the year, that prevents mold growth, musty smells, condensation on ductwork, and your HVAC working overtime to dehumidify.
As an FPL Preferred Contractor, we get you back an instant $220 rebate on ceiling insulation upgrades. We handle the paperwork as an FPL-approved contractor.
Spray foam doesn't settle, sag, or absorb moisture. Fiberglass needs replacement every 10-15 years. Over the life of your home, spray foam is often cheaper.
Closed cell spray foam bonds your roof sheathing to trusses, increasing wind uplift resistance significantly. After Hurricane Ian, homes with spray foam consistently had less roof damage.
Open cell: $1-2/sq ft. Closed cell: $2-4/sq ft. That's 2-4x more than blown-in fiberglass. The payback works out in 2-3 years, but you need to cover the upfront cost.
Bad spray foam jobs exist — wrong mix ratio, wrong temperature, insufficient thickness. You need a licensed, experienced contractor.
Running new wiring or plumbing through cured spray foam is more work than through fiberglass. Time insulation after major renovations.
24-48 hours where you shouldn't occupy the home. Standard and harmless once cured.
| Scenario | Net Cost (after rebates) | Annual Savings | Payback | 10-Year Return |
|---|---|---|---|---|
| 1,500 sq ft attic, open cell | $1,400 | $1,100 | 1.3 years | $9,600 |
| 1,500 sq ft attic, closed cell | $3,650 | $1,200 | 3 years | $8,350 |
| Full home (attic + walls) | $4,500 | $1,400 | 3.2 years | $9,500 |
Compare: a new kitchen ($25k, saves $0/year), new windows ($10k, saves $200/year, 50-year payback), or spray foam ($1,400-3,650 net, saves $1,100+/year, pays for itself in 1-3 years).
Every home is different. Our free thermal leak scan shows your specific heat loss, savings potential, and rebate eligibility.
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