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A prefabricated sealed composite insulating panel for use in commercial and residential buildings. The panel has an insulating core sandwiched between an outer board layer and a skin material that is capable of radiating heat. The insulating core and the skin material are positioned so that they are

A prefabricated sealed composite insulating panel for use in commercial and residential buildings. The panel has an insulating core sandwiched between an outer board layer and a skin material that is capable of radiating heat. The insulating core and the skin material are positioned so that they are offset with respect to the outer board layer such that the insulating core and the skin material extend beyond the outer board layer on one lateral side and on one transverse end. The insulating core and the skin material are recessed, with respect to the outer board by equivalent dimensions, on an opposite lateral side and on an opposite transverse end. The insulating core is completely surrounded and encapsulated by a plastic channel that protects the insulating core during transportation and installation. The composite panel, according to the present invention, provides a completely sealed panel that can be easily and efficiently installed on-site. Building structures can be efficiently insulated by installing these panels as exterior siding or interior finishing of a building.

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1. A prefabricated composite building panel comprising:a rectangular core of insulating material having first and second opposed lateral sides defining a width dimension therebetween, first and second opposed transverse ends defining a length dimension therebetween, and opposed first and second surf

1. A prefabricated composite building panel comprising:a rectangular core of insulating material having first and second opposed lateral sides defining a width dimension therebetween, first and second opposed transverse ends defining a length dimension therebetween, and opposed first and second surfaces defining a thickness dimension therebetween; a rectangular board layer having first and second opposed lateral sides defining a width dimension therebetween, first and second opposed transverse ends defining a length dimension therebetween, and opposed first and second surfaces, and the width and length dimensions of the rectangular core of insulating material and the rectangular board being substantially identical to one another; a plastic channel secured about and encapsulating a perimeter edge of the rectangular core of insulating material; a skin attached to the second surface of the rectangular core of insulating material; and the second surface of said rectangular board layer being attached to the first surface of the rectangular core of insulating material such that a portion of the rectangular core of insulating material, on the first lateral side and on the first transverse end, being recessed with respect to the adjacent first lateral side and the adjacent first transverse end of the rectangular board layer, and a portion of the rectangular core of insulating material, on the second lateral side and on the second transverse end, protruding with respect to an adjacent second lateral side and an adjacent second transverse end of the rectangular board layer. 2. The building panel of claim 1, wherein the rectangular core of insulating material is polyurethane.3. The building panel of claim 1, wherein the skin is paper-backed aluminum foil.4. The building panel of claim 1, wherein said board layer is material selected from oriented strand board, particle board, plywood, plaster board, gypsum board, fiberboard, waferboard and wood panel.5. The building panel of claim 1, wherein the second surface of the board layer is thermally fused to the first surface of the rectangular core of insulating material, and the skin is thermally fused to the first surface of the rectangular core of insulating material.6. The building panel of claim 1, wherein said plastic channel is made of clear polyvinyl chloride.7. The building panel of claim 1, wherein said plastic channel is attached to the rectangular core of insulating material by thermal fusion.8. The building panel of claim 1, wherein the building panel has a length dimension of about 8 feet, a width dimension of about 4 feet and a thickness dimension of about 2 inches to about 6 inches.9. The building panel of claim 1, wherein the building panel has a length dimension of about 9 feet, a width dimension of about 4 feet and a thickness dimension of about 2 inches to about 6 inches.10. The building panel of claim 1, wherein the recess of the portion of the rectangular core of insulating material, on the first lateral side and on the first transverse end, with respect to the adjacent first lateral side and the adjacent first transverse end of the rectangular board layer is about one half of an inch and the protrusion of the portion of the rectangular core of insulating material, on the second lateral side and on the second transverse end, with respect to the adjacent second lateral side and the adjacent second transverse end of the rectangular board layer is about one half of an inch.11. The building panel of claim 1, wherein the recess of the portion of the rectangular core of insulating material, on the first lateral side and on the first transverse end, with respect to and the adjacent first lateral side and the adjacent first transverse end of the rectangular board layer is at least one quarter of an inch and the protrusion of the portion of the rectangular core of insulating material, on the second lateral side and on the second transverse end, with respect to and the adjacent second lateral side and the adjacent second transverse end of the rectangular board layer is at least one quarter of an inch.12. An insulated building structure, having at least one story, said structure comprising:a load-bearing frame; a plurality of prefabricated panels fastened to the load-bearing frame, each panel comprising a rectangular core of insulating material sandwiched between a skin and a board layer; the rectangular core of insulating material having first and second opposed lateral sides defining a width dimension therebetween, first and second opposed transverse ends defining a length dimension therebetween, and opposed first and second surfaces defining a thickness dimension therebetween; the rectangular board layer having first and second opposed lateral sides defining a width dimension therebetween, first and second opposed transverse ends defining a length dimension therebetween, and opposed first and second surfaces, and the width and length dimensions of the rectangular core of insulating material and the rectangular board being substantially identical to one another; a plastic channel secured about and encapsulating a perimeter edge of the rectangular core of insulating material; the skin being attached to the second surface of the rectangular core of insulating material; and the second surface of said rectangular board layer being attached to the first surface of the rectangular core of insulating material such that a portion of the rectangular core of insulating material, on the first lateral side and on the first transverse end, being recessed with respect to the adjacent first lateral side and the adjacent first transverse end of the rectangular board layer and a portion of the rectangular core of insulating material, on the second lateral side and on the second transverse end, protruding with respect to an adjacent second lateral side and an adjacent second transverse end of the rectangular board layer. 13. The insulated building structure of claim 12, wherein the rectangular core of insulating material of each prefabricated panel is polyurethane.14. The insulated building structure of claim 12, wherein the skin of each prefabricated panel is paper-backed aluminum foil aluminum foil.15. The insulated building structure of claim 12, wherein said board layer of each prefabricated panel material is selected from oriented strand board, particle board, plywood, plaster board, gypsum board, fiberboard, waferboard and wood panel.16. The insulated building structure of claim 12, wherein said plastic channel is made of polyvinyl chloride.17. A method for insulating the walls of a building structure having at least one story, said method comprising:providing a building frame having a plurality of wall stud members, each stud member having an interior and exterior face; providing a plurality of prefabricated panels, said panels having a rectangular core of insulating material sandwiched between a board layer and a skin of paper-backed aluminum foil such that the core of insulating material and the skin of paper-backed aluminum are recessed relative to the board layer on a first lateral side and a first transverse end of the panel, and such that the core of insulating material and the skin of paper-backed aluminum protrude relative to the board layer on a second lateral side and a second transverse end of the panel, said core of insulating material having a channel made of polyvinyl chloride secured to and encapsulating a perimeter edge of said core of insulating material; fastening the prefabricated panels to the exterior faces of the wall stud members such that the board layer of the panel is directed away from the exterior faces of the wall stud members and such that the skin of paper-backed aluminum foil is directed toward the exterior faces of the wall stud members; aligning panels adjacent to one another on each story of the building structure, prior to fastening the panels to the stud members, such that the first lateral side of a first adjacent panel is engaged with the second lateral side of a second adjacent panel, such that the recessed core of insulating material and recessed skin of paper-backed aluminum foil of the first lateral side of the first adjacent panel is overlapped by the protruded core of insulating material and protruded skin of kraft aluminum foil of the second lateral side of the second adjacent panel; and applying sealing material to the engaged lateral sides of laterally adjacent panels. 18. A method for insulating the walls of a building structure as in claim 17, further comprising:aligning abutting panels on adjacent stories of the building structure, prior to fastening the panels to the stud members, to one another such that the first transverse end of a first abutting panel is engaged with the second transverse end of a second abutting panel, such that the recessed core of insulating material and recessed skin of kraft aluminum foil of the first transverse end of the first abutting panel is overlapped by the protruded core of insulating material and protruded skin of paper-backed aluminum foil of the second transverse end of the second abutting panel; and applying sealing material to the engaged transverse ends of abutting panels on adjacent stories. 19. An insulated sheet material subassembly for a building structure, comprising:a generally rectangular sheet of board material; an insulating panel generally conforming in size and shape to said sheet of board material and having a first face attached to a first face of said board material; a vapor barrier covering a second face of said insulating panel opposite said first face of said insulating panel; a plastic film sealing a peripheral edge of said insulating panel, said peripheral edge transverse to the first and second faces of said insulating panel; and said sheet of board material and said insulating panel being aligned in an offset relation relative to one another adapted to form an interlocking engagement between said sheet material subassembly and an adjacent like subassembly. 20. The insulated sheet material subassembly of claim 19, wherein the insulating panel is polyurethane.21. The insulated sheet material subassembly of claim 19, wherein the vapor barrier is paper-backed aluminum foil.22. The insulated sheet material subassembly of claim 19, wherein said board material is selected from oriented strand board, particle board, plywood, plaster board, gypsum board, fiberboard, waferboard and wood panel.23. The insulated sheet material subassembly of claim 19, wherein the first face of the board material is thermally fused to the first face of the insulating panel, and the vapor barrier is thermally fused to the second face of the insulating panel.24. The insulated sheet material subassembly of claim 19, wherein said plastic film is attached to the insulating panel by thermal fusion.25. The insulated sheet material subassembly of claim 19, wherein the building panel has a size selected from:a length dimension of about 8 feet, a width dimension of about 4 feet, and a thickness dimension of about 2 inches to about 6 inches; and a length dimension of about 9 feet, a width dimension of about 4 feet and a thickness dimension of about 2 inches to about 6 inches. 26. The insulated sheet material subassembly of claim 19, wherein the offset of the rectangular sheet of board material with relative to the insulating panel is in the range of from about 0.25 inches to about 0.5 inches.