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If you live the SW USA , Texas, NM, AZ, purpose built reflective foil on the underside of the rafters will give you the most bang for the buck. I typical 100+ day can yield 160F in the attic. Properly installed foil is supposed to reduce attic temperature down to the ambient temperature. Insulation?? Once the foil is done, you may forget the insulation.
Foil on top of the roof? Three possible problems: neighbors, city codes, winds.
CB
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