A cost-benefit evaluation of housing insulation: results from the New Zealand ‘Housing, Insulation and Health’ study Dr Ralph Chapman 1 Associate-Professor Philippa Howden-Chapman 2 Des O’Dea 3 October 2004 1 Maarama Consulting Ltd. www.maarama.co.nz 2 He Kainga Oranga / Housing and Health Research Programme Department of Public Health, Wellington School of Medicine and Health Sciences, University of Otago 3 Wellington School of Medicine and Health Sciences, University of Otago