I live in the Bay area in California where in the winter my house is 50 deg F with no heat. I can't remember what it is in the summer inside the house but definitely in the 90s if not more. Outside, the highest is about 110 F on very rare days.I just found out that I barely have any insulation after I made an appointment with Eagle Shield. They can do R-19 blown in insulation and put in a foil-like radiant barrier over that. Home Depot can do the same but they attach their radiant barrier to the roof in the attic. I am not sure what to do. Should I just do the R-19 insulation which would be about $1700 or add the radiant barrier which would be another $3000??? If I do the radiant barrier, which should I do--over the insulation (mold worries?) or to the roof (would the roof get too hot)? THANKS in advance for any help on this!!!!