Definition of Metal Insulation Support

Metal Insulation Support

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

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.

Insulation Density

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

Metal Flue

A metal channel through which hot air, gas, steam or smoke may pass.

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.

Un-faced Insulation

insulation with no attached vapor retarder.

Foil-Faced Vapor Retarder

Created by coating a foil-backed paper with a thin layer of asphalt adhesive. The coated side of the foil-backed paper is then applied to the un-faced insulation material. The asphalt adhesive bonds the foil-backed paper and the insulation together.

Glass Fiber

glass in a strand form. The ingredients are essentially the same that go into any glass product such as a window pane or drinking glass.

Kraft-Faced Vapor Retarder

Created by coating kraft paper with a thin layer of asphalt adhesive. The coated side of the kraft paper is then applied to the unfaced insulation material. The asphalt adhesive bonds the kraft paper and the insulation together.

MIRAFLEX® Fiber

A revolutionary soft-to-the-touch glass fiber insulation developed by Owens Corning for easier handling and installation. In addition to its virtually itch-free characteristic, insulation with Miraflex® has extraordinary resiliency allowing it to be packaged in more convenient, ultra-compact rolls.

Un-faced Insulation

Insulation with no attached vapor retarder.

Policyholder

This is the person who owns a life insurance policy. This is usually the insured person, but it may also be a relative of the insured, a partnership or a corporation. There are instances in marriage breakup (or relationship breakup with dependent children) where appropriate life insurance on the support provider, owned and paid for by the ex-spouse receiving the support is an acceptable method of ensuring future security.

Replacement

This subject of replacement of existing policies is covered because sometimes existing life insurance policies are unnecessarily replaced with new coverage resulting in a loss of valuable benefits. If someone suggests replacing your existing coverage, insist on having a comparison disclosure statement completed.
The most important policies to examine in detail are those which were issued in Canada prior to December 2, 1982. If you have a policy of this vintage with a significant cash surrender value, you may want to consider keeping it. It has special tax advantages over policies issued after December 2, 1982.
Basically, the difference is this. The cash surrender value of a pre December, 1982 policy can be converted to an annuity in accordance with the settlement options in the policy and as a result, the tax on any policy gain can be spread over the duration of the annuity. Since only the interest element of the annuity payment will be taxed, there will be less of a tax impact on the annuitant. Policies issued after December 2, 1982 which have their cash surrender value annuitized trigger a disposition and the annuitant must pay tax on the total policy gain immediately. If you still decide to replace existing coverage, don't cancel what you have until the new coverage has been issued.

Gross Household Income

Gross household income is the total salary, wages, commissions and other assured income, before deductions, by all household members who are co-applicants for the mortgage.

Holdback

An amount of money required to be withheld by the lender during the construction or renovation of a house to ensure that construction is satisfactorily completed at every stage.

Foil-Faced Vapor Retarder

Created by coating a foil-backed paper with a thin layer of asphalt adhesive. The coated side of the foil-backed paper is then applied to the un-faced Insulation material. The asphalt adhesive bonds the foil-backed paper and the Insulation together.

Insulation Density

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

Kraft-Faced Vapor Retarder

Created by coating kraft paper with a thin layer of asphalt adhesive. The coated side of the kraft paper is then applied to the unfaced Insulation material. The asphalt adhesive bonds the kraft paper and the Insulation together.

Polyethylene Vapor Barrier

Plastic film used to prevent moisture from passing through unfaced Insulation. Both 4- and 6-mil polyethylene are preferred because they are less likely to be damaged during construction.

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.

Subfloor

The structural material that spans across floor joists. It serves as a working platform during construction and provides a base for the finish floor.

Un-faced Insulation

Insulation with no attached vapor retarder.

Vapor Retarder

Helps control the amount of moisture passing through the Insulation and collecting inside exterior walls, ceilings and floors.

Wire Nut

A plastic device used to connect bare wires together.

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