Winter is here but it’s not too late to think about insulation. A property owner from Northland said they recently upgraded a rental property with ceiling and under floor insulation and said the impact was significant and instant. Because their tenant had a community services card, they qualified for the government subsidy and were able to reduce the cost from $3,100 to $2,000. That was a significant saving to them and a great benefit to the tenants. As it happens, community service card holders are not the only ones who are entitled to the subsidy. In some cases those with a respiratory illness also qualify.