Insulation Incentives & Financing

Optimizing energy consumption for heating and cooling homes in the Southern Tier of New York and Northeastern Pennsylvania presents a win-win situation for homeowners, utility companies, and the environment. Because of this, a variety of financing options and incentives are at your disposal!

Sealed offers exclusive, specific rebates directly from NYSEG for residential attic projects. This performance-based insulation and air sealing rebate up to $2000 is only accessible through them. Insulation Man is the only contractor in the entire Southern Tier of NY who can help you take advantage of this program. Insulation Man teamed up with Sealed in 2017 because we share the same goals, making all homes in NY more comfortable, healthier, and energy efficient.

Break up your insulation work over a few years to maximize your tax credit:

  • This Year: Air Seal your Attic and receive a tax credit worth up to $1,200 
  • Next Year: Insulate your Crawl Space and receive a tax credit worth up to $1,200 
  • In Two Years: Insulate your Exterior Walls and receive a tax credit worth up to $1,200

Financing Options

Green Job Green New York (GJGNY) Loan Fund 

Smart Energy Loan

The Smart Energy Loan (SEL) is a traditional loan that you repay monthly via check. The interest rate is 3.99% or automatic payment (ACH) interest rate is 3.49%.

Upgrades and services covered:

  • Purchase and installation of solar photovoltaic systems, ground source heat pumps, air source heat pumps, and energy efficiency improvements.

Eligibility:

  • You must own the home or be an authorized representative of the property.

Loan terms:

  • Unsecured
  • Interest rates are subject to change. Check for available residential interest rates.
  • Loan amounts from $1,500 – $25,000 with loan terms of 5, 10, or 15 years
  • If you sell or transfer the property, you remain responsible for the balance of the loan

On-Bill Recovery Loan

The On-Bill Recovery (OBR) Loan, your loan payments are paid as part of your utility bill. Estimated average monthly energy cost savings must be greater than monthly loan payments to use the OBR loan.

Upgrades and services covered:

  • Purchase and installation of solar photovoltaic systems, ground source heat pumps, air source heat pumps, and energy efficiency improvements.

Eligibility:

  • You must own the home and be named on the utility account
  • The home must be served by a participating utility, including: Central Hudson Gas & Electric, Con Edison, PSEG-Long Island, NYSEG, National Grid (Upstate NY customers only), Orange & Rockland, and Rochester Gas & Electric

Loan Approval Criteria

Looking to make energy improvements to your home? The National Energy Improvement Fund makes financing for energy-efficient home improvements easy and affordable. 

Home improvements that might be preventing you from getting insulation work done are eligible for funding through NEIF such as:

  • Asbestos removal
  • Repair or Replacement of Roof
  • Knob & Tube
  • Windows & Doors

All can be financed through NEIF. Please call 607-775-3035 to let us help you see what we can do for you to get your house insulated.

The National Energy Improvement Fund provides financing for energy efficient home improvements. NEIF focuses on increasing the affordability of energy efficient enhancements through transparent, simple interest, fixed-rate, low payment unsecured installment loans with no fees to the borrower and no prepayment penalties! 

  • Finance 100% of your energy improvement
  • True fixed rate, fixed monthly payments
  • Terms up to 10 years
  • No adjustable rate, “teasers”, or surprises
  • No home equity required
  • No points, fees, or closing costs
  • No penalty for prepayment or paying extra each month
  • Instant credit decision, easy paperless process
  • Fully supported by NEIF’s Energy lending specialists
  • Work must be performed by NEIF approved contractors

Call 607-775-3035 or contact us online to learn more about incentives and financing options.

FOR INFORMATION ABOUT FINANCING AND INCENTIVES OPTIONS

CONTACT INSULATION MAN TODAY

607-775-3035

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Our Customers Speak For Us

My disabled daughter and I would have had a miserable winter if you had not helped us. Thank you, Joey, and everyone else who made it possible. We are so grateful!

Kathy K.

The crew was excellent, helpful, and did a great job, including cleaning up when the work was done.  Thank you!

Martha K.

We had a great experience with The Insulation Man team!

Ahna

An Energy Assessment was completed by “Joey” and our attic was insulated in early January 2025. Jessica was very helpful in walking us through the process and the workers did a great job. Would not hesitate to use Insulation Man if needed again. Thanks for everything.

J&G

Delighted with the service and the results. I have an older “EJ” home that had no insulation at all. It is now insulated from basement to attic and what a difference in temperature and noise abatement. They did a great job coordinating with NYSERDA so I didn’t have to deal with that. The office staff were responsive and the work crews were punctual, efficient and thorough. They did a great job explaining what they would be doing and answered all of my questions. Well worth the investment. Thanks all!

Janet

I was very happy from the very first contact to the very end of the project. The office staff was very responsive and helpful with any questions. The consultation was great, the workers were great and clean. Thank you!

Jo

I wanted to send along a Thank You to Joey & Chris! They were exceptionally friendly, informative and made the overall process easy to understand. My husband and I will recommend Insulation Man to anyone in need of updating their home insulation. Thanks Again, Jenny

I started in May 2023 to get qualified for the NYSERDA Empower+ Program with another local
insulation company. 5 months later and a lot of problems, I was supposedly approved. I did not
feel comfortable working with this company and called Insulation Man to see if they could
become my NYSERDA Participation Contractor. They got my home’s insulation project
approved, scheduled, and installed in less time than the other company took to just get my
application approved. Could not have done it without you. Thanks Insulation Man!!! Dominic L.

Dominic L.

I used Insulation Man’s services while building my new house. It was an absolute pleasure working with them on insulating while it was being built. They were clean, courteous and professional. Their services made my dream house warm and cozy – I haven’t had a single problem staying warm or cool, and my energy bills stay low and affordable. Thanks to everyone at Insulation Man!

Lynn K.

Insulation Man is a great company if you need any kind of heating or cooling work done on your house. I have an older house and needed new insulation and a new furnace. The team there is very friendly and made the whole process very easy. Now my house is nice and toasty, and I save money on my heating bills. I only wish I had done this sooner

Reta Z.

Insulation Man insulated my house. I can’t believe how much warmer I feel. My heating bill has gone down and no more icicles! I wish I did this 10 years ago when I first moved in.

Mike O.

I wanted to take a moment to compliment your company for the insulation installation done today at our home in Greene. From the first impression of Joey and Sean we were glad to have Insulation Man do our work. I can’t express enough the level of care taken by Joey as the lead sprayer. He was so meticulous to make sure everything was sealed properly and as smooth as possible. He made it look so easy to make a laid stone foundation appear so smooth when he was done.

Greg L.
I want to Thank You for all that you had done to get my home insulated! I LOVE IT!!! I can truly appreciate the whole house as a system, and how sealing the envelope really works! The results are HUGE!
The temperature on the first floor stays the same for HOURS without the heat coming on. I think the heat comes on once every 4-6 hrs! I can tell it is on for shorter periods too, it does not take much to get the house up to temperature. ( I think the attic is next some day, it is now the least insulated part of the house)
Please tell Tara that she did a wonderful job on the cellulose, and Joey that the foam is beyond my expectations! Thank you, Steve, for believing we could get it done, and making it happen! I appreciate your whole crew’s professionalism and how they take pride in their work. I respect the care that you all took on my beloved home. I will definitely speak highly about you and your company.
You guys are the BEST!
Thank you so much!
Erika W.

Wanted to write you promptly. Your employees were diligent, and appeared to do a very thorough job packing more insulation into our attic spaces. Very clean as well. Can’t thank you enough for taking care of this small issue, though it is important to us. Proud to tell others about the good work of Insulation Man.

J.M. Greene

It has been a pleasure meeting someone with passion for doing a job right. We have experienced two things with the blown-in insulation installed by Insulation Man. We expected the first, but the second was a surprise. Our furnace does not run as often as it used to (expected), and we didn’t notice the noise from the neighbors and street (unexpected and wonderful). Your crew was courteous and clean with nothing left behind.

Kent C.

I realized the first winter that I spent in my new home in Vestal New York that the insulation was insufficient. The house never had a warm comfortable feeling. The bedrooms above the garage were especially cold and the floors freezing to bare feet. The furnace ran more and more the lower the temperature got. When the temperature dropped into the negative digits for several days the furnace seemed to run almost constantly. Eventually on a Sunday of course, the furnace gave up from exhaustion and needed a costly repair.  The repair man told me that he had been too many calls in my neighborhood over the winter and that the houses were not well insulated when built in the 1960’s. Naturally when winter turned to spring I forgot about the entire problem. Until we started to have a lot of 80+ degree days, the air conditioner ran constantly and the house never really felt cool.

I signed up for a NYSERDA energy assessment and selected Insulation Man to perform the testing. I selected Insulation Man because I knew they were a reputable company that had performed work in the Greater Binghamton area for a number of years.

I was SHOCKED to learn my new home had no insulation in the walls!

The sales representative was a pleasure to work with. He was very thorough and knowledgeable. He explained the options that were available for insulating the house and how the work would be performed.  The quote process was very professional and I appreciate that he was willing to work around my schedule.

Once the work was scheduled the crew showed up on time, performed all promised work, finished on time and cleaned up when they were finished. They were prompt, polite, neat and very fast. The production manager provided me with feedback on how the insulating was going when I asked and he made sure that I was satisfied with the work and clean up when the work was complete.

My home is much more comfortable and very quite. I am definitely enjoying the decrease in my electric bill. I am very satisfied on all counts. I will recommend Insulation Man to others.

Richard F.

Thought you might enjoy getting a compliment – sometimes we all forget to give them for a job well done!

Doris B.
WBE Certified
NYSERDA
BPI Certified
ICAA
Spray Polyurethane Foam Alliance
Better Business Bureau A+ Rating

Contact Information

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25 Alice Street
Binghamton, NY 13904

607-775-3035

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