Old house/old insulation
We recently replaced the ceiling of a closet and had the opportunity to look up into the attic. We live in a 50+ yr old 1 1/2 story Cape Cod so the attic space is very shallow. The current insulation appears to have been stapled/nailed in-between the rafters but 90% of it looks like it has fallen to the ceiling below, leaving no insulation between what has fallen down and the roof of the house. We live in the NE so I'm sure we are losing a lot of heat. The insulation looks to be very old/pale yellow or white and the black paper backing crumbles upon touch. One, is this hazzardous to our health? In some areas, it looks like there may be mold but it's hard to tell. Two, is this a fire hazzard? There are ceiling lights in the hallway upstairs where the previous owners installed recessed lights. They laid new insulation (5" yellow)on top of the old insulation only where the new recessed lights were installed. Do we need to replace the insulation??