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Not only is it against code to have insulation exposed, it is extremely dangerous especially in a garage situation.
If the room above the garage was finished when you bought the home the insulation in place should be (that's a "should be") R19 which meets code requirements for this situation. Most heat loss is via the roof, what insulation is in place above the ceiling in the effected room and what insulation is in the walls ?
Insulation in the ceiling should be a min. of R30 and walls R13
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