The Growing Problem
Spray foam insulation, once promoted as an energy-saving solution, is now causing serious issues for homeowners trying to sell, remortgage, or insure their properties. Major lenders and insurers are increasingly rejecting properties with spray foam installations.
Mortgage Lending Issues
Why Lenders Are Concerned
- Structural Inspection: Foam prevents proper assessment of roof timbers and structural elements
- Moisture Risk: Potential for condensation and water damage behind foam
- Building Standards: Many installations don't meet current building regulations
- Future Maintenance: Inability to maintain or repair roof structures
- Removal Costs: Potential expensive remediation required
Affected Lenders
Insurance Coverage Issues
Insurance Concerns
Many insurance providers are now excluding or restricting coverage for properties with spray foam insulation due to:
Risk Factors
- Moisture-related damage
- Fire safety concerns
- Pest infestation risks
- Maintenance difficulties
Common Exclusions
- Water damage claims
- Structural damage
- Roof-related issues
- Policy non-renewal
Real Example
"Our insurer refused to renew our policy when they discovered spray foam during a routine inspection. We had 30 days to remove it or find alternative cover."
How We Restore Eligibility
Our Proven Process
Professional Assessment
Comprehensive evaluation of foam type, coverage, and structural implications
Safe Removal
Complete extraction using specialist equipment and safety protocols
Structural Inspection
Access restored for full structural and timber assessment
Compliant Insulation
Installation of building regulation compliant insulation systems
Certification
Full documentation package for lenders and insurers
What You Get
Mortgage Eligibility Restored
Access to full range of mortgage products and competitive rates
Insurance Coverage
Standard insurance policies without exclusions or restrictions
Property Value
Restored marketability and full property valuation
Peace of Mind
Complete compliance with building regulations and industry standards
Warranty & Support
Full warranty on work and ongoing support for any queries
Investment vs. Recovery
In most cases, the cost of professional removal is significantly less than the property value loss or inability to sell/remortgage.
Frequently Asked Questions
Get Your Property Back on the Market
Don't let spray foam prevent you from selling, remortgaging, or getting insurance. Contact us today for a free assessment and discover how we can restore your property's eligibility.