National Home Inspector Practice Exam 2026 - Free Home Inspector Practice Questions and Study Guide

Inadequate insulation in a home primarily leads to reduced indoor comfort and higher energy bills. Insulation plays a crucial role in regulating the indoor temperature by preventing heat loss during colder months and minimizing heat gain during hotter months. When insulation is insufficient, the home cannot maintain a stable and comfortable temperature, causing occupants to rely more on heating and cooling systems to compensate.

This increased usage of heating and cooling systems directly results in higher energy consumption, leading to elevated utility bills. As the systems work harder to maintain comfort levels, this can also lead to wear and tear, potentially requiring more frequent maintenance or repairs over time.

While issues such as increased maintenance costs, lower property value, and poor indoor air quality may arise as secondary effects of inadequate insulation, the most immediate and direct consequences are the discomfort felt by occupants and the substantial rise in energy expenses. Thus, the correct answer emphasizes the core impact of inadequate insulation on both comfort and financial cost.