If your home suffers from cold floors and high energy bills, underfloor insulation could be the perfect solution. But did you know there’s government help available? Through the ECO4 Scheme, eligible households in the UK can access free underfloor insulation — making your home warmer, more energy-efficient, and cheaper to run.
This guide explains who qualifies for ECO4 funding for underfloor insulation, what the process involves, and how you can get started with help from trusted providers like ECO4 Surveyors.
What Is the ECO4 Scheme?
The ECO4 Scheme (Energy Company Obligation Phase 4) is a UK government-backed initiative aimed at improving energy efficiency in homes. It offers free energy-saving upgrades to eligible households — including loft insulation, boiler replacements, and underfloor insulation.
It’s designed to support low-income and vulnerable households by cutting carbon emissions, reducing heating costs, and improving living conditions.
Why Underfloor Insulation Matters
Homes built with suspended timber floors or uninsulated concrete slabs often lose a large amount of heat through the floor. Underfloor insulation helps retain warmth, reduces draughts, and lowers your energy bills — especially in older or poorly insulated properties.
By insulating beneath your ground floor, you can enjoy:
- A warmer, more comfortable home
- Lower monthly energy bills
- Improved EPC rating (Energy Performance Certificate)
- Reduced carbon footprint
✅ Who Qualifies for ECO4 Underfloor Insulation Funding?
To access ECO4 grant funding for underfloor insulation, you must meet certain eligibility criteria:
1. Low EPC Rating
Your home should have an EPC rating of D, E, F or G, as these are considered less energy efficient.
2. Receiving Qualifying Benefits
You or someone in your household must receive at least one of the following benefits:
- Universal Credit
- Income Support
- Pension Credit
- Child Tax Credit
- Working Tax Credit
- Housing Benefit
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
3. Low-Income Households (LA Flex Option)
If you don’t receive benefits, you may still qualify under the “Local Authority Flexible Eligibility” (LA Flex) rules. This allows councils to include households on low income or with health vulnerabilities.
4. Property Suitability
Your home must be technically suitable for underfloor insulation — typically suspended timber floors or solid floors with retrofit options.
How to Apply for ECO4 Underfloor Insulation Grants
At ECO4 Surveyors, we make the process simple:
- Free eligibility check – we’ll assess your benefits, income, and EPC rating.
- Home survey – one of our accredited assessors will inspect your property.
- Tailored upgrade plan – if you qualify, we’ll arrange the insulation work at no cost to you.
- Professional installation – carried out by trusted, certified installers.
The entire process is free for eligible households, funded by major energy providers under government regulation.
Ready to Find Out If You Qualify?
If you’re tired of cold floors and high heating costs, it’s time to check your eligibility. Visit 👉 eco4surveyors.co.uk to get your free quote and start your journey to a warmer home today.