The solution is to remove the insulation and replace this with a standard product and make good any damage caused - before a lender will consider your application. Already have loft insulation? We can remove and replace current insulation with more appropriate and efficient insulation. Nothing lasts forever, so why would we assume loft insulation will never deteriorate? Decrepit loft insulation is often incompetent and will lead to heightened energy bills. Sometimes you may see soiled insulation due to having pests nesting in your loft such as pigeons, rats and squirrels to name a few.