I need to add some insulation to a two story house with a metal roof. I
am starting from the attic because seems to be the most needy. Access
is difficult, so the insulation has probably to be blown up.

Have checked Lowe's and Home Depot but they only carry some stuff that
looks like shredded paper. Is this what I should use or is there a
better product?

Also I am confused about the R requirements: It's R38 in my area (SE
Texas) with gas or other fuel heat, but the tables at the shop say has
to be R49 if you have an electric furnace. I have electric HVAC but
can't understand why the R value should be different.

Thank you for your help

Art