Homeowners concerned about spray foam insulation in their property now have access to helpful guidance thanks to a new report published by the Property Care Association (PCA).
The PCA’s comprehensive consumer guide to spray foam outlines practical steps homeowners can take if spray foam has been installed in their property, helping them understand potential risks and solutions.
It’s estimated that as many as 250,000 homes in the UK have spray foam insulation. The product is applied in liquid form to the underside of a property’s roof, where it expands and sets. It’s widely promoted as an effective way to insulate a home and lower heating bills.
However, growing concerns over its long-term impact have led to a shift in perception – particularly among lenders and surveyors. Some banks now refuse to lend on properties with spray foam, making them effectively unmortgageable. This presents challenges for homeowners looking to sell or release equity.
Why is spray foam insulation a concern?
The main issue is that spray foam insulation can restrict airflow within a roof space, potentially leading to a build-up of moisture. Over time, this trapped moisture can contribute to the growth of mould, damp, and eventually, timber decay.
It’s important to note that spray foam doesn’t cause problems in every case. However, because it obscures the roof structure, it can make it difficult – or even impossible – for a surveyor to inspect critical areas. As a result, some mortgage lenders have introduced blanket bans on homes with spray foam present.
What to do if you have spray foam in your home
Firstly, don’t panic. Not all properties with spray foam experience problems. However, if you’re concerned about the impact of spray foam on your home, the PCA’s guide (available at www.property-care.org) is a good place to start.
In addition, you may wish to contact a qualified building surveyor with experience in assessing properties with spray foam insulation. They can evaluate your home’s condition and provide guidance on whether remedial action is necessary.
If the recommendation is to remove the spray foam, ensure the work is carried out by a qualified and reputable contractor.
Avoiding rogue traders
Home improvement scams have been flagged by Trading Standards, especially around the removal of spray foam. Some rogue firms have targeted vulnerable homeowners with high-pressure sales tactics or have carried out substandard work at inflated prices.
Always obtain multiple quotes, check the credentials of anyone offering building or insulation services, and never agree to work on the spot from an unsolicited caller.
Share this advice
This guide has been written to help homeowners understand the potential risks and responses surrounding spray foam insulation. If you know someone who owns a property with spray foam, or is considering buying one, please pass this article along.
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