Definition of Baffles

Baffles

Device to help achieve a ventilation space between insulation and roof sheathing. It helps assure air flow from the eave vents in attics and cathedral ceilings.

Creditor Proof Protection

The creditor proof status of such things as life insurance, non-registered life insurance investments, life insurance RRSPs and life insurance RRIFs make these attractive products for high net worth individuals, professionals and business owners who may have creditor concerns. Under most circumstances the creditor proof rules of the different provincial insurance acts take priority over the federal bankruptcy rules.
The provincial insurance acts protect life insurance products which have a family class beneficiary. Family class beneficiaries include the spouse, parent, child or grandchild of the life insured, except in Quebec, where creditor protection rules apply to spouse, ascendants and descendants of the insured. Investments sold by other financial institutions do not offer the same security should the holder go bankrupt. There are also circumstances under which the creditor proof protections do not hold for life insurance products. Federal bankruptcy law disallows the protection for any transfers made within one year of bankruptcy. In addition, should it be found that a person shifted money to an insurance company fund in bad faith for the specific purpose of avoiding creditors, these funds will not be creditor proof.

Air Space

The area between insulation facing and interior of exterior wall coverings. Normally a 1" air gap.

Built-Up Roof

A roofing composed of three to five layers of asphalt felt laminated with coal tar, pitch, or asphalt. The top is finished with crushed slag or gravel. Generally used on flat or low-pitched roofs.

Central Air Conditioning

A system which uses ducts to distribute cooling and/or dehumidified air to more than one room or uses pipes to distribute chilled water to heat exchangers in more than one room, and which is not plugged into an electrical convenience outlet.

Crawlspace Foundation

The space between the ground and the first floor of a home, usually no higher than four feet.

Crawlspace Vent

An opening to allow the passage of air through the unexcavated area under a first floor. Ideally there should be at least two vents per crawlspace.

Eave Vent

Vent opening located in the soffit under the eaves of a house to allow the passage of air through the attic and out the roof vents.

Eaves

The projecting overhang at the lower edge of a roof.

Faced Insulation

insulation with an attached vapor retarder (kraft paper or foil-backed paper).

Fiber Glass Insulation

An energy-efficient glass fiber product manufactured by Owens Corning to ensure the best thermal and noise control performance available.

Forced Air Heating

A common form of heating with natural gas, propane, oil or electricity as a fuel. air is heated in the furnace and distributed through a set of metal ducts to various areas of the house.

Gable Roof

A roof that consists of two sloping planes that meet at the ridge or peak. The planes are supported at their ends by triangular, upward extensions of walls known as gables.

Hip Roof

A pitched roof with sloping sides.

Insulation Density

Denser insulation products have more fibers per square inch and, therefore, give you greater insulating power through higher R-values.

aterial used to cover the interior framed areas of walls and ceilings

Metal Insulation Support

16" or 24" wire rod or crisscrossed wire to hold floor insulation in place.

Reflective Insulation System

Reflective insulation System is formed by a combination of low emittance surfaces and air spaces that provide reflective cavities, which have low levels of radiant energy transmission.

Roof Valley

The "V" created where two sloping roofs meet.

Roof Vent

A louver or small dome mounted near the ridge of the roof to allow the passage of air through the attic.

Shed Roof

A roof that pitches up further on one side than the other. Shed roofs are also used over some porches.

Un-faced Insulation

insulation with no attached vapor retarder.

Ventilation

Creates a positive flow of air that allows the house to "breathe" and helps prevent moisture build-up year-round.

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