The primary issue with spray foam insulation lies in its potential to compromise the structural integrity of a property’s roof. Many lenders are cautious about approving mortgages for properties with spray foam insulation because of:

Poorly fitted spray foam can trap moisture, leading to timber decay. This not only risks long-term structural damage but also makes it difficult for surveyors to assess the true condition of the roof.

Closed cell spray foam, in particular, can restrict air circulation, causing timber to rot over time. While open cell spray foam is more breathable, it is often installed incorrectly, exacerbating ventilation problems.

The thick, expansive nature of spray foam often obscures roof timbers, making it challenging for surveyors to inspect and lenders to assess the risk.

Rob Milne from WhiteKnights has seen several local examples of how spray foam insulation has caused issues for sellers. In one case, a homeowner in Reading struggled to sell their family home because lenders were unwilling to approve mortgages for potential buyers due to spray foam in the loft. Despite having documentation to show the insulation was professionally installed, they eventually had to pay for its removal, a costly process that delayed their sale by months.

In another instance, a couple looking to downsize found themselves in limbo when buyers pulled out after a surveyor flagged the spray foam as a potential issue. These real-life cases highlight how significant this problem has become in the Reading area.

If your property has spray foam insulation and you're considering selling, here are some proactive steps:

Provide evidence that the insulation was professionally installed and adheres to safety and building standards. If available, secure a specialist report validating the roof's structural integrity.

If you’re aware of spray foam in your property, reach out to potential lenders early in the process to understand their policies.

While expensive, removing spray foam insulation may be necessary to ensure your property is marketable. Costs vary depending on the size and complexity of the job, so obtain multiple quotes.

If you’re considering purchasing a home with spray foam insulation, proceed with caution:

Ensure the roof is thoroughly inspected by a professional who can assess the risks and provide a detailed report.

Before committing to the purchase, confirm whether your mortgage provider will lend against the property.

In response to the growing concern, the Property Care Association (PCA) published an inspection protocol in 2023 to assist surveyors and lenders in evaluating spray foam insulation risks. However, there remains significant variability in lender policies, and many homeowners feel caught in limbo.

The Insulation Manufacturers Association continues to defend spray foam insulation, stating that when properly installed, it can be a safe and effective solution. Nonetheless, the industry acknowledges the need for better oversight and clearer guidelines.

Spray foam insulation has proven to be a double-edged sword. While it offers energy-saving benefits, the challenges it poses to mortgage lending and property sales cannot be ignored. Whether you’re a homeowner or a buyer, understanding the risks and taking the appropriate steps to mitigate them is crucial.

If you’re facing difficulties selling a property due to spray foam insulation, or are unsure about your options, our team at WhiteKnights is here to help. Contact us for expert advice and support as you navigate this complex issue.