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401(e): How Does it Work?


401(e) Home Energy Plan is an investment in your home. With rising energy prices, it’s important to consider the life cycle costs of maintaining your home. Energy efficiency upgrades can save you money in the long-term, improve your home’s value, and keep your home safe and comfortable.




The 401(e) Home Energy Plan starts with a Home Energy Assessment, an in-depth assessment of your home’s energy performance.


The assessment consists of a few questions about your home, a review of your energy bills, and a hands-on energy evaluation of your home. This begins with a “crawl through”, a thorough inspection of the insulation in your attic, crawlspace, and pretty much anywhere where energy might sneak out. Next is an infrared camera search, a way to identify hot and cold spots inside walls, around windows and below baseboards. A blower door test is also used – by depressurizing your house, this type of test can continue to find any hidden air leaks. Lastly, we conduct a safety test of any your home’s heating and cooling equipment, including a check of carbon monoxide levels and a combustion appliance back-draft test.


Watch the video below for an overview of typical energy assessment measures:



The Home Energy Assessment done by a professional certified by the Building Performance Institute (BPI) or by RESNET’s Home Energy Rating System (HERS). Professionals are equipped with state-of-the-art software and technology, so you can be assured you are receiving the best possible service and recommendations.


Our application is available online, and you can fill it out there. Or, if you prefer, you can download and print the application as well.


The measurements and tests performed will be used to generate an on-site custom report for your home. A Home Energy Advisor will go over the results with you, providing guidance on what steps you can take to make your home more comfortable and energy efficient.


If you need financing, 401(e) will put you in touch with one of our lending partners and work with you throughout the loan process. We will also help to identify if you are eligible for any rebates and incentives.


Finally, experienced Energy Specialists will install the measures you have selected from 401(e)’s recommendations. Afterwards, a post-test will be conducted to ensure that the work was done to the highest standards.