Insulate top floor ceiling instead of loft?

17 May 2013
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United Kingdom
A house we hope to buy is quite old and definitely some parts of the roof have no insulation at all... it's a big pitched roof and walking around you can see the bare slates.

However they have converted approx half the loft into a room and we cannot tell what insulation was put in place.

It strikes me that accessing under the floor would require less making good than ripping out a ceiling... is it equally good from an efficiency point of view to insulate the floor of the loft (between the ceiling joists on top floor ceiling) as to insulate the roof itself?
In fact, is this the more normal way of doing things, since heating the loft is a bit of a waste?

The loft room would probably only be used in the summer so a solution which makes that room cold is not a particular problem.
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Yes, insulate the floor of the loft, not the roof.

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