Extremely cold loft rooms with pre-existing compressed insulation

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Hi,

I moved into a 3 storey Bovis house, built around 2000. The two rooms in the loft area (purpose built) have been extremely cold this winter, so much so that I can feel drafts when upstairs.

I checked the loft itself (the top most part of the rooms) and from what I can see, it looks like the previous owners have bolted chipboards down over the insulation for storage purposes. I took some photos to show how (bad) it is:

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The first picture shows the window area (which boxes out from the roof) having no insulation at all!

My question is, whats the most cost effective way to add insulation in this case? I have no plans to use the space for storage, so should I be just placing more rockwool over the top of the chipboards, and filling in the spaces where none exists?

Also, I presume it wouldn't have been like this when the house was built in 2000, with regards to regulations at the time?
 
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Insulation normally needs air to function. By compressing the insulation, it doesn't do its job effectively.

If you don't wish to use the loft for storage, I would remove all chipboard flooring and then replace all insulation and build up to 270mm thickness or thereabouts.
 
The flooring appears to be professionally laid and would be a fairly large task for me to undo. I'm looking for the quickest gains at minimal time/expense - would it work just as well to layer over the top with 270mm insulation, leaving some space for access to things like the loft ariel?
I'm not looking to use the space for storage.
 
Its been unusually cold this winter, it looks like you have at least 200mm of insulation. I'd be cautious about the cost of adding extra, vs the benefit. At some point you probably will want the storage space.
 
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The cost vs benefit ratio isn't a factor, as I believe I might be eligible for government funding, as they do with cavity wall insulation - I'll have to undergo a survey first. Also, regarding space I don't see myself using it as storage, as I have a garage for that :)
 

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