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The R-value is a measure of thermal resistance, or ability of heat to transfer from hot to cold, through materials (such as insulation) and assemblies of materials (such as walls and floors). The higher the R-value, the more a material prevents heat transfer. R-value depends on materials' resistance to heat conduction, as well as the thickness and (for loose or porous material) any heat losses due to convection and radiative heat transfer. However it does not account for the radiative or convective properties of the material's surface, which may be an important factor for some applications. R varies with temperature but in construction it is common to treat it as being constant for a given material (or assembly). It is closely related to the thermal transmittance (U-value) of a material or assembly, but is easier to manipulate in some calculations since it can be simply added for materials and assemblies that are arranged in layers, or scaled proportionately if the thickness of a material changes. R-values expressed in United States customary units are about 5.68 times larger than those expressed in metric (SI) units.
R is expressed as the thickness of the material normalized to the thermal conductivity, and under uniform conditions it is the ratio of the temperature difference across an insulator and the Heat Flux Density (heat transfer per unit time per unit area, ) through it or . The unit thermal conductance of a material is the reciprocal of the unit thermal resistance. This can also be called the unit surface conductance.
- 1 U-factor/U-value
- 2 Imperial and metric units
- 3 Different insulation types
- 4 Thickness
- 5 Factors
- 6 Primary role
- 7 General
- 8 Calculating heat loss
- 9 Relationships
- 10 Controversy
- 11 Deterioration
- 12 R-value in-situ measurements
- 13 Example values
- 14 See also
- 15 References
- 16 External links
The U-factor or U-value, is the overall heat transfer coefficient that describes how well a building element conducts heat or the rate of transfer of heat (in watts) through one square metre of a structure divided by the difference in temperature across the structure. The elements are commonly assemblies of many layers of components such as those that make up walls/floors/roofs etc. It measures the rate of heat transfer through a building element over a given area under standardised conditions. The usual standard is at a temperature gradient of 24 °C (75.2 °F), at 50% humidity with no wind (a smaller U-factor is better at reducing heat transfer). It is expressed in watts per meter squared kelvin (W/m²K). This means that the higher the U-value the worse the thermal performance of the building envelope. A low U-value usually indicates high levels of insulation. They are useful as it is a way of predicting the composite behavior of an entire building element rather than relying on the properties of individual materials.
In most countries the properties of specific materials (such as insulation) are indicated by the thermal conductivity, sometimes called a k-value or lambda-value (lowercase λ). The thermal conductivity (k-value) is the ability of a material to conduct heat ; hence, the lower the k-value, the better the material is for insulation. Expanded polystyrene (EPS), has a k-value of around 0.033 W/mK. For comparison, phenolic foam insulation has a k-value of around 0.018 W/mK, while wood varies anywhere from 0.15 to 0.75 W/mK, and steel has a k-value of approximately 50.0 W/mK. These figures vary from product to product, so the UK & EU have established a 90/90 standard which means that 90% of the product will conform to the stated k-value with a 90% confidence level so long as the figure quoted is stated as the 90/90 lambda-value.
U is the inverse of R with SI units of W/(m2K) and U.S. units of BTU/(hr °F ft2);
where k is the material's coefficient of thermal conductivity and L is its thickness.
Note that the term "U-factor" (which redirects here) is usually used in the U.S. and Canada to express the heat flow through entire assemblies (such as rooves, walls, and windows). For example, energy codes such as ASHRAE 90.1 and the IECC prescribe U-values. However, R-value is widely used in practice to describe the thermal resistance of insulation products, layers, and most other parts of the building enclosure(walls, floors, rooves). Other areas of the world more commonly use U-value/U-factor for elements of the entire building enclosure including windows, doors, walls, roof, and ground slabs.
Imperial and metric units
Around most of the world, R-values are given in SI units, typically square-metre kelvin per watt or m2·K/W (or equally, m2·°C/W). In the United States customary units, R-values are given in units of ft2·°F·hr/Btu. It is particularly easy to confuse SI and U.S. R-values, because R-values both in the U.S. and elsewhere are often cited without their units, e.g., R-3.5. Usually, however, the correct units can be inferred from the context and from the magnitudes of the values since United States R-values are approximately 5.68 times larger than SI R-values.
The conversion between SI and U.S. units of R-value is 1 h·ft2·°F/Btu = 0.176110 K·m2/W, or 1 K·m2/W = 5.678263 h·ft2·°F/Btu. Therefore, U.S. and SI values (SI values are sometimes written as RSI to avoid confusion ) can be converted as follows:
- R-value (U.S.) = RSI (SI) × 5.678263337
- RSI (SI) = R-value (U.S.) × 0.1761101838
Different insulation types
The Australian Government explains that the required total R-values for the building fabric vary depending on climate zone. "Such materials include aerated concrete blocks, hollow expanded polystyrene blocks, straw bales and rendered extruded polystyrene sheets."  After the law Energieeinsparverordnung (EnEv) introduced in Germany in 2009 (October 10th) regarding energy savings, all new buildings must demonstrate an ability to remain within certain boundaries of the U-value for each particular building material. Further, the EnEv describes the coefficient maximum for each new material if parts are replaced or added to standing structures. The U.S. Department of Energy has recommended R-values for given areas of the USA based on the general local energy costs for heating and cooling, as well as the climate of an area. There are four types of insulation: rolls and batts, loose-fill, rigid foam, and foam-in-place. Rolls and batts are typically flexible insulators that come in fibers, like fiberglass. Loose-fill insulation comes in loose fibers or pellets and should be blown into a space. Rigid foam is more expensive than fiber, but generally has a higher R-value per unit of thickness. Foam-in-place insulation can be blown into small areas to control air leaks, like those around windows, or can be used to insulate an entire house.
Increasing the thickness of an insulating layer increases the thermal resistance. For example, doubling the thickness of fiberglass batting will double its R-value, perhaps from 2.0 m2K/W for 110 mm of thickness, up to 4.0 m2K/W for 220 mm of thickness. Heat transfer through an insulating layer is analogous to adding resistance to a series circuit with a fixed voltage. However, this only holds approximately because the effective thermal conductivity of some insulating materials depends on thickness. The addition of materials to enclose the insulation such as sheetrock and siding provides additional but typically much smaller R-value.
There are many factors that come into play when using R-values to compute heat loss for a particular wall. Manufacturer R values apply only to properly installed insulation. Squashing two layers of batting into the thickness intended for one layer will increase but not double the R-value. (In other words, compressing a fiberglass batt decreases the R-value of the batt but increases the R-value per inch.) Another important factor to consider is that studs and windows provide a parallel heat conduction path that is unaffected by the insulation's R-value. The practical implication of this is that one could double the R-value of insulation installed between framing members and realize substantially less than a 50% reduction in heat loss. When installed between wall studs, even perfect wall insulation only eliminates conduction through the insulation but leaves unaffected the conductive heat loss through such materials as glass windows and studs. Insulation installed between the studs may reduce, but usually does not eliminate, heat losses due to air leakage through the building envelope. Installing a continuous layer of rigid foam insulation on the exterior side of the wall sheathing will interrupt thermal bridging through the studs while also reducing the rate of air leakage.
The R-value is a measure of an insulation sample's ability to reduce the rate of heat flow under specified test conditions. The primary mode of heat transfer impeded by insulation is conduction, but insulation also reduces heat loss by all three heat transfer modes: conduction, convection, and radiation. The primary heat loss across an uninsulated air filled space is natural convection, which occurs because of changes in air density with temperature. Insulation greatly retards natural convection making the primary mode of heat transfer conduction. Porous insulations accomplish this by trapping air so that significant convective heat loss is eliminated, leaving only conduction and minor radiation transfer. The primary role of such insulation is to make the thermal conductivity of the insulation that of trapped, stagnant air. However this cannot be realized fully because the glass wool or foam needed to prevent convection increases the heat conduction compared to that of still air. The minor radiative heat transfer is obtained by having many surfaces interrupting a "clear view" between the inner and outer surfaces of the insulation such as visible light is interrupted from passing through porous materials. Such multiple surfaces are abundant in batting and porous foam. Radiation is also minimized by low emissivity (highly reflective) exterior surfaces such as aluminum foil. Lower thermal conductivity, or higher R-values, can be achieved by replacing air with argon when practical such as within special closed-pore foam insulation because argon has a lower thermal conductivity than air.
Heat transfer through an insulating layer is analogous to electrical resistance. The heat transfers can be worked out by thinking of resistance in series with a fixed potential, except the resistances are thermal resistances and the potential is the difference in temperature from one side of the material to the other. The resistance of each material to heat transfer depends on the specific thermal resistance [R-value]/[unit thickness], which is a property of the material (see table below) and the thickness of that layer. A thermal barrier that is composed of several layers will have several thermal resistors in the analogous with circuits, each in series.
Like resistance in electrical circuits, increasing the physical length of a resistive element, such as graphite for example, increases the resistance linearly; double the thickness of a layer means double the R-value and half the heat transfer; quadruple, quarters; etc. In practice, this linear relationship does not hold for compressible materials such as glass, wool, and cotton batting whose thermal properties change when compressed. [clarification needed]
Calculating heat loss
To find the heat loss per square meter, simply divide the temperature difference by the R value for the layer.
If the interior of a home is at 20 °C, and the roof cavity is at 10 °C, the temperature difference is 10 C° (= 10 K difference). Assuming a ceiling insulated to R–2 (R = 2.0 m2K/W), energy will be lost at a rate of 10 K/(2 K·m2/W) = 5 watts for every square meter of ceiling. The R-value used here is for the actual insulating layer (and not per inch of insulation).
R-value should not be confused with the intrinsic property of thermal resistivity and its inverse, thermal conductivity. The SI unit of thermal resistivity is K·m/W. Thermal conductivity assumes that the heat transfer of the material is linearly related to its thickness.
In calculating the R-value of a multi-layered installation, the R-values of the individual layers are added:
- R-value(outside air film) + R-value(brick) + R-value(sheathing) + R-value(insulation) + R-value(plasterboard) + R-value(inside air film) = R-value(total).
To account for other components in a wall such as framing, first calculate the U-value (=1/R-value) of each component, then the area-weighted average U-value. The average R-value will be 1/(this average U-value). For example, if 10% of the area is 4 inches of softwood (R-value 5.6) and 90% is 2 inches of silica aerogel (R-value 20), the area-weighted U-value is 0.1/5.6 + 0.9/20 = 0.0629 and the weighted R-value is 1/0.0629 = 15.9.
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Thermal conductivity versus apparent thermal conductivity
Thermal conductivity is conventionally defined as the rate of thermal conduction through a material per unit area per unit thickness per unit temperature differential (ΔT). The inverse of conductivity is resistivity (or R per unit thickness). Thermal conductance is the rate of heat flux through a unit area at the installed thickness and any given ΔT.
Experimentally, thermal conduction is measured by placing the material in contact between two conducting plates and measuring the energy flux required to maintain a certain temperature gradient.
For the most part, testing the R-value of insulation is done at a steady temperature, usually about 70 °F (21 °C) with no surrounding air movement. Since these are ideal conditions, the listed R-value for insulation will almost certainly be higher than it would be in actual use, because most situations with insulation are under different conditions
A definition of R-value based on apparent thermal conductivity has been proposed in document C168 published by the American Society for Testing and Materials. This describes heat being transferred by all three mechanisms—conduction, radiation, and convection.
Debate remains among representatives from different segments of the U.S. insulation industry during revision of the U.S. FTC's regulations about advertising R-values illustrating the complexity of the issues.
Surface temperature in relationship to mode of heat transfer
There are weaknesses to using a single laboratory model to simultaneously assess the properties of a material to resist conducted, radiated, or convective heating. Surface temperature varies depending on the mode of heat transfer.
In the absence of radiation or convection, the surface temperature of the insulator should equal the air temperature on each side.
In response to thermal radiation, surface temperature depends on the thermal emissivity of the material. Light, reflective, or metallic surfaces that are exposed to radiation tend to maintain lower temperatures than dark, non-metallic ones.
Convection will alter the rate of heat transfer (and surface temperature) of an insulator, depending on the flow characteristics of the gas or fluid in contact with it.
With multiple modes of heat transfer, the final surface temperature (and hence the observed energy flux and calculated R-value) will be dependent on the relative contributions of radiation, conduction, and convection, even though the total energy contribution remains the same.
This is an important consideration in building construction because heat energy arrives in different forms and proportions. The contribution of radiative and conductive heat sources also varies throughout the year and both are important contributors to thermal comfort
In the hot season, solar radiation predominates as the source of heat gain. Radiative heat transfer is related to the fourth power of the absolute temperature (measured in degrees Kelvin = degrees Celsius + 273.16; Stefan–Boltzmann law). Therefore, such transfer is at its most significant when the objective is to cool (i.e. when solar radiation has produced very warm surfaces). On the other hand, the conductive and convective heat loss modes play a more significant role during the cooler months. At such lower ambient temperatures the traditional fibrous, plastic and cellulose insulations play by far the major role: the radiative heat transfer component is of far less importance and the main contribution of the radiation barrier is in its superior air-tightness contribution. In summary: claims for radiant barrier insulation are justifiable at high temperatures, typically when minimizing summer heat transfer; but these claims are not justifiable in traditional winter (keeping-warm) conditions.
The limitations of R-values in evaluating radiant barriers
Unlike bulk insulators, radiant barriers resist conducted heat poorly. Materials such as reflective foil have a high thermal conductivity and would function poorly as a conductive insulator. Radiant barriers retard heat transfer by two means - by reflecting radiant energy away from its surface or by reducing the emission of radiation from its opposite side.
The question of how to quantify performance of other systems such as radiant barriers has resulted in controversy and confusion in the building industry with the use of R-values or 'equivalent R-values' for products which have entirely different systems of inhibiting heat transfer. (In the U.S., the federal government's R-Value Rule establishes a legal definition for the R-value of a building material; the term 'equivalent R-value' has no legal definition and is therefore meaningless.) According to current standards, R-values are most reliably stated for bulk insulation materials. All of the products quoted at the end are examples of these.
Calculating the performance of radiant barriers is more complex. With a good radiant barrier in place, most heat flow is by convection, which depends on many factors other than the radiant barrier itself. Although radiant barriers have high reflectivity (and low emissivity) over a range of electromagnetic spectra (including visible and UV light), their thermal advantages are mainly related to their emissivity in the infra-red range. Emissivity values are the appropriate metric for radiant barriers. Their effectiveness when employed to resist heat gain in limited applications is established, even though R-value does not adequately describe them.
R-values of products may deteriorate over time. For instance the compaction of loose fill cellulose creates voids that reduce overall performance; this may be avoided by densely packing the initial installation. Some types of foam insulation, such as polyurethane and polyisocyanurate are blown with heavy gases such as chlorofluorocarbons (CFC) or hydrochlorofluorocarbons (HFCs). However, over time a small amount of these gases diffuse out of the foam and are replaced by air, thus reducing the effective R-value of the product. There are other foams which do not change significantly with aging because they are blown with water or are open-cell and contain no trapped CFCs or HFCs (e.g., half-pound low density foams). On certain brands, twenty-year tests have shown no shrinkage or reduction in insulating value.
This has led to controversy as how to rate the insulation of these products. Many manufacturers will rate the R-value at the time of manufacture; critics argue that a more fair assessment would be its settled value. The foam industry[when?] adopted the LTTR (Long-Term Thermal Resistance) method, which rates the R-value based on a 15-year weighted average. However, the LTTR effectively provides only an eight-year aged R-value, short in the scale of a building that may have a lifespan of 50 to 100 years.
Correct attention to air sealing measures and consideration of vapor transfer mechanisms are important for the optimal function of bulk insulators. Air infiltration can allow convective heat transfer or condensation formation, both of which may degrade the performance of an insulation.
One of the primary values of spray-foam insulation is its ability to create an airtight (and in some cases, watertight) seal directly against the substrate to reduce the undesirable effects of air leakage.
R-value in-situ measurements
The deterioration of R-values is especially a problem when defining the energy efficiency of an existing building. Especially in older/historic buildings the R-values defined before construction might be very different than the actual values. This highly affects energy efficiency analysis. To obtain reliable data, R-values are therefore often determined via U-value measurements at the specific location (in situ). There are several potential methods to this, each with their specific trade-offs: Thermography, multiple temperature measurements and the heat flux method.
Thermography is applied in the building sector to assess the quality of the thermal insulation of a room or building. By means of a thermographic camera thermal bridges and inhomogeneous insulation parts can be identified. However, it does not produce any quantitative data. This method can only be used to approximate the U-value or the inverse R-value.
Multiple temperature measurements
This approach is based on three or more temperature measurements inside and outside of a building element. By synchronizing these measurements and making some basic assumptions, it is possible to calculate the heat flux indirectly, and thus deriving the U-value of a building element. The following requirements have to be fulfilled for reliable results:
- Difference between inside and outside temperature, ideal > 15 K
- Constant conditions
- No solar radiation
- No radiation heat nearby measurements
Heat flux method
The U-value can be calculated as well by using a heat flux sensor in combination with two temperature sensors. By measuring the heat that is flowing through a building element and combining this with the inside and outside temperature, it is possible to define the U-value precisely. A measurement that last at least 72 hours with a temperature difference of at least 5 °C is required for a reliable result according to ISO 9869 norms, but shorter measurement durations give a reliable indication of the U-value as well. The progress of the measurement can be viewed on the laptop via corresponding software and obtained data can be used for further calculations. Measuring devices for such heat flux measurements are offered by companies like FluxTeq, Ahlborn, greenTEG and Hukseflux.
||The examples and perspective in this article deal primarily with North America and do not represent a worldwide view of the subject. (January 2010) (Learn how and when to remove this template message)|
Vacuum insulated panels have the highest R-value, approximately R-45 (in U.S. units) per inch; aerogel has the next highest R-value (about R-10 to R-30 per inch), followed by polyurethane (PUR) and phenolic foam insulations with R-7 per inch. They are followed closely by polyisocyanurate (PIR) at R-5.8, graphite impregnated expanded polystyrene at R-5, and expanded polystyrene (EPS) at R-4 per inch. Loose cellulose, fibreglass (both blown and in batts), and rock wool (both blown and in batts) all possess an R-value of roughly R-2.5 to R-4 per inch.
Straw bales perform at about R-1.5 per inch. However, typical straw bale houses have very thick walls and thus are well insulated. Snow is roughly R-1 per inch. Brick has a very poor insulating ability at a mere R-0.2 per inch; however it does have a relatively good thermal mass.
Note that the above examples all use the U.S. (non-SI) definition for R-value.
Typical R-values (per inch of material)
|Material||RSI per inch (m2·K/(W·in))||R-value per inch (ft2·°F·h/(BTU·in))||RSI per metre (m·K/W)|
|Vacuum insulated panel||5.28–8.8||R-30–R-50||208–346|
|Polyurethane rigid panel (CFC/HCFC expanded) initial||1.23–1.41||R-7–R-8||48–56|
|Polyurethane rigid panel (CFC/HCFC expanded) aged 5–10 years||1.10||R-6.25||43|
|Polyurethane rigid panel (pentane expanded) initial||1.20||R-6.8||47|
|Polyurethane rigid panel (pentane expanded) aged 5–10 years||0.97||R-5.5||38|
|Foil faced Polyurethane rigid panel (pentane expanded)||1.1–1.2||45-48 |
|Foil-faced polyisocyanurate rigid panel (pentane expanded ) initial||1.20||R-6.8||55 |
|Foil-faced polyisocyanurate rigid panel (pentane expanded) aged 5–10 years||0.97||R-5.5||38|
|Polyisocyanurate spray foam||0.76–1.46||R-4.3–R-8.3||30–57|
|Closed-cell polyurethane spray foam||0.97–1.14||R-5.5–R-6.5||38–45|
|Phenolic spray foam||0.85–1.23||R-4.8–R-7||33–48|
|Thinsulate clothing insulation||0.28-0.51||R-1.6–R-2.9||11–20|
|Extruded expanded polystyrene (XPS) high-density||0.88–0.95||R-5–R-5.4||26-40|
|Phenolic rigid panel||0.70–0.88||R-4–R-5||28–35|
|High-density fiberglass batts||0.63–0.88||R-3.6–R-5||25–35|
|Extruded expanded polystyrene (XPS) low-density||0.63–0.82||R-3.6–R-4.7||25–32|
|Icynene loose-fill (pour fill)||0.70||R-4||28|
|Molded expanded polystyrene (EPS) high-density||0.70||R-4.2||22-32|
|Cotton batts (Blue Jean insulation)||0.65||R-3.7||26|
|Molded expanded polystyrene (EPS) low-density||0.65||R-3.85||26|
|Open-cell polyurethane spray foam||0.63||R-3.6||25|
|Rock and slag wool batts||0.52–0.68||R-3–R-3.85||20–27|
|Rock and slag wool loose-fill||0.44–0.65||R-2.5–R-3.7||17–26|
|Wood panels, such as sheathing||0.44||R-2.5||9 |
|Fiberglass rigid panel||0.44||R-2.5||17|
|Softwood (most)||0.25||R-1.41||7.7 |
|Wood chips and other loose-fill wood products||0.18||R-1||7.1|
|Aerated/Cellular Concrete (5% moisture)||0.18||R-1||7.1|
|Hardwood (most)||0.12||R-0.71||5.5 |
|Poured concrete||0.014||R-0.08||0.43-0.87 |
Typical R-values for surfaces
Non-reflective surface R-values for air films
When determining the overall thermal resistance of a building assembly such as a wall or roof, the insulating effect of the surface air film is added to the thermal resistance of the other materials.
|Surface position||Direction of heat transfer||RU.S. (hr·ft2·°F/Btu)||RSI (K·m2/W)|
|Horizontal (e.g., a flat ceiling)||Upward (e.g., winter)||0.61||0.11|
|Horizontal (e.g., a flat ceiling)||Downward (e.g., summer)||0.92||0.16|
|Vertical (e.g., a wall)||Horizontal||0.68||0.12|
|Outdoor surface, any position, moving air 6.7 m/s (winter)||Any direction||0.17||0.030|
|Outdoor surface, any position, moving air 3.4 m/s (summer)||Any direction||0.25||0.044|
In practice the above surface values are used for floors, ceilings, and walls in a building, but are not accurate for enclosed air cavities, such as between panes of glass. The effective thermal resistance of an enclosed air cavity is strongly influenced by radiative heat transfer and distance between the two surfaces. See insulated glazing for a comparison of R-values for windows, with some effective R-values that include an air cavity.
|Material||Apparent R-Value (Min)||Apparent R-Value (Max)||Reference|
|Reflective insulation||Zero (For assembly without adjacent air space.)||R-10.7 (heat transfer down), R-6.7 (heat transfer horizontal), R-5 (heat transfer up)
Ask for the R-value tests from the manufacturer for your specific assembly.
R-Value Rule in the U.S.
The Federal Trade Commission (FTC) governs claims about R-values to protect consumers against deceptive and misleading advertising claims. "The Commission issued the R-Value Rule to prohibit, on an industry-wide basis, specific unfair or deceptive acts or practices." (70 Fed. Reg. at 31,259 (May 31, 2005).)
The primary purpose of the rule is to ensure that the home insulation marketplace provides this essential pre-purchase information to the consumer. The information gives consumers an opportunity to compare relative insulating efficiencies, to select the product with the greatest efficiency and potential for energy savings, to make a cost-effective purchase and to consider the main variables limiting insulation effectiveness and realization of claimed energy savings.
The rule mandates that specific R-value information for home insulation products be disclosed in certain ads and at the point of sale. The purpose of the R-value disclosure requirement for advertising is to prevent consumers from being misled by certain claims which have a bearing on insulating value. At the point of transaction, some consumers will be able to get the requisite R-value information from the label on the insulation package. However, since the evidence shows that packages are often unavailable for inspection prior to purchase, no labeled information would be available to consumers in many instances. As a result, the Rule requires that a fact sheet be available to consumers for inspection before they make their purchase.
The R-value Rule specifies:
|In labels, fact sheets, ads, or other promotional materials, do not give the R-value for one inch or the "R-value per inch" of your product. There are two exceptions:
You can list a range of R-value per inch. If you do, you must say exactly how much the R-value drops with greater thickness. You must also add this statement: "The R-value per inch of this insulation varies with thickness. The thicker the insulation, the lower the R-value per inch."
- Building insulation
- Building insulation materials
- Cool roofs
- Heat transfer
- Passive solar design
- Sol-air temperature
- Thermal bridge
- Thermal comfort
- Thermal conductivity
- Thermal mass
- Thermal transmittance
- Tog (unit)
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- 2009 ASHRAE Handbook - Fundamentals (I-P Edition & SI Edition). (pp: 26.1). American Society of Heating, Refrigerating and Air-Conditioning Engineers, Inc
- FTC Letter, Regarding reflective insulation used under slab where no air space is present
- ICC ES Report, ICC ES Report ESR-1236 Thermal and Moisture Protection - ICC Evaluation Services, Inc.
- Labeling and Advertising of Home Insulation (R-Value Rule) 16 CFR 460 (Federal Trade Commission, USA)