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My engineering inspector said that I have a “cockloft” that has no subfloor and is uninsulated. I looked it up and it’s supposed to be the space between the roof and the ceiling. Next time I get a chance I will look at it again since I’m not sure exactly how high this cockloft can be. It seems to be accessable, however, as the inspector said that there is a hatch opening for it in the ceiling of a hall closet.