USA Insulation vs Ram Jack
Franchise Comparison 2026
Both USA Insulation and Ram Jack are home services franchises. USA Insulation requires an investment of $304K – $477K while Ram Jack requires $151K – $650K. USA Insulation discloses average revenue of $1.6M; Ram Jack makes no financial performance representation in its Item 19, which is voluntary under the FTC Franchise Rule. Note: Averaged per franchisee, not per outlet - not comparable with per-outlet figures; Includes company-owned outlets. USA Insulation has SBA lending data on file with a 8.3% charge-off rate. FranchiseVerdict rates USA Insulation A (Strongest tier) and Ram Jack B (Above average).
| Metric | USA Insulation | Ram Jack |
|---|---|---|
| Verdict Grade | AStrongest tierStrongest tier | BAbove averageAbove average |
| Investment Range | $304K – $477K | $151K – $650K |
| Franchise Fee | $45K | $30K |
| Royalty Rate | 5.0% | None (Revenue is derived from required product sales) |
| Average Revenue (Item 19) | $1.6MPer franchisee, not per outlet · Incl. company outlets | N/ANo Item 19 representation |
| SBA Charge-Off Rate | 8.3% (39 loans) | Limited data |
| Total Units | 97 | 55 |
| Unit Growth (YoY) | -13 units | +1 units |
| Year Began Franchising | 2006 | 2008 |
| FDD Year | 2026 | 2025 |
Investment Range
$304K – $477K
$151K – $650K
Franchise Fee
$45K
$30K
Royalty Rate
5.0%
None (Revenue is derived from required product sales)
Average Revenue (Item 19)
$1.6MPer franchisee, not per outlet · Incl. company outlets
N/ANo Item 19 representation
SBA Charge-Off Rate
8.3% (39 loans)
Limited data
Total Units
97
55
Unit Growth (YoY)
-13 units
+1 units
Year Began Franchising
2006
2008
FDD Year
2026
2025