Over the years we've worked in just about every 55-plus community in the Tucson metro. SaddleBrooke, Quail Creek, Green Valley, Sun City Vistoso, La Estancia. Different developers, different price points, different decades of construction, but the attics almost always tell the same story. The original insulation was the bare minimum the builder could install to pass inspection in the year your home went up, and nobody has touched it since.
If you bought your house new in 1998, you've been paying summer cooling bills against 1998 insulation standards for almost thirty years. Nobody warns you about that at closing. Nobody comes back to upgrade it. And by the time the upstairs starts feeling hotter than it used to, most homeowners assume it's the AC and call out an HVAC company. The HVAC company is happy to sell you a new system. Nobody mentions the attic.