Quoted from MustangPaul:Only 6 inches of foam, what's the R factor of that? I put an R factor of 86 fiberglass in the ceiling of my garage....really only because I over bought and couldn't find the sales slip.
FL is not MN. Our main concern is trying to stay cool while you try to stay warm. We max out about at 100F, if you like it at 72F that is only 28F difference. Your low can be -20F (or lower) that is 92F difference to be at 72F. You need much less insulation in FL to maintain a reasonable temp.