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Attic Insulation

I have one problem, I recently installed high hats (The 7" generic ones you buy in Loews)that are not insulation rated. My problem is cold air escapes in the summer time and heat in the winter time through the openings. The attic is directly above them. Is it possible for me to place plywood over the location of the high hats to prevent drafts. I have insulated the attic, not around the fixtures because of fear of fire.:rolleyes:

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