“When we bought the cottage, it was partially insulated but not to a high degree because it wasn’t really winterized,” said Bill Luffman, who has owned the cottage with his wife Linda for about 16 years. “For under our floor, we looked at a number of different types of insulation – batt insulation and board insula- tion – but we found they required a lot of labor and weren’t suited to being exposed to the elements. It had to be something that wa

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