The formula to calculate the Effective Insulation (I) is:
\[ I = \frac{T_i - T_o}{H} \]
Where:
Let's say the inside temperature (T_i) is 22°C, the outside temperature (T_o) is -5°C, and the heat loss rate (H) is 10. Using the formula:
\[ I = \frac{22 - (-5)}{10} = \frac{27}{10} = 2.7 \]
So, the effective insulation is 2.7.