Why Spray Foam Insulation is Causing Major Problems
Understanding the serious structural, financial, and legal issues that spray foam insulation is causing for UK property owners, mortgage applications, and insurance policies.
Watch: The Hidden Dangers of Spray Foam Insulation
Expert analysis of why SPF is causing widespread problems across the UK
This documentary reveals the structural problems and financial implications of spray foam insulation installations.
The Critical Problems with Spray Foam Insulation
Structural Damage & Building Issues
- Prevents Roof Inspection: Makes it impossible to inspect roof timbers, leading to hidden rot and structural issues
- Moisture Trapping: Can trap moisture against timber, accelerating decay and causing serious structural problems
- Ventilation Blocking: Blocks essential roof ventilation, leading to condensation and damp issues
- Removal Damage: Often damages roof timbers during removal, requiring expensive repairs
Mortgage Application Failures
- Automatic Refusals: Many major lenders now automatically refuse mortgages on properties with spray foam
- Survey Red Flags: Building surveyors flag spray foam as a major concern in mortgage valuations
- Limited Lender Options: Drastically reduces the number of available mortgage products
- Higher Rates: Lenders that do accept often charge significantly higher interest rates
Insurance Coverage Issues
- Policy Refusals: Insurance companies increasingly refuse to cover properties with spray foam
- Policy Cancellations: Existing policies may be cancelled when spray foam is discovered
- Coverage Exclusions: Specific exclusions for damage related to spray foam insulation
- Premium Increases: Significant premium increases when coverage is available
Property Sale Complications
- Reduced Property Value: Properties with spray foam typically sell for significantly less
- Buyer Withdrawal: Many potential buyers withdraw offers when spray foam is discovered
- Extended Marketing: Properties stay on the market much longer than comparable homes
- Chain Collapse: Mortgage issues can cause entire property chains to collapse
Industry Response to Spray Foam Problems
Major Lenders
- Halifax/Lloyds: Refuses all spray foam properties
- Nationwide: Case-by-case basis with strict criteria
- Santander: Requires specialist surveyor reports
- Barclays: Significant lending restrictions
Insurance Companies
- Aviva: Specific spray foam exclusions
- Direct Line: Refuses new policies
- LV=: Premium loading for spray foam properties
- Admiral: Case-by-case assessment required
There is a Solution
Professional spray foam removal can restore your property's saleability and resolve mortgage and insurance issues. Our certified technicians provide complete removal with documentation for lenders and insurers.
Need Help with Spray Foam Issues?
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