A ‘quick fix’ that’s now a mortgage nightmare for thousands.
If you’ve got spray foam insulation in your loft, or you’re thinking of buying a property that does, it’s time to pay attention. A new survey by the Property Care Association (PCA) has revealed some worrying statistics that homeowners can’t afford to ignore.
🔍 The Numbers Are In – and They’re Not Pretty
According to the PCA’s investigation:
35% of homes with spray foam insulation have one or more installation defects.
In 27% of those cases, the defects are so serious that major remedial work is needed, including full insulation removal or even complete roof replacement.
That’s over a quarter of affected homeowners facing costly, complex repairs—often without knowing there’s a problem until a mortgage lender refuses to lend or a buyer pulls out at the last minute.
🏚️ This Isn’t Just About Poor Workmanship
The PCA isn’t alone in raising the alarm. The HomeOwners Alliance has joined calls for urgent government action, saying homeowners deserve more protection, more transparency, and—importantly—more support.
Many homeowners were sold spray foam as a miracle energy-saving solution. But it’s becoming clear that installation standards vary wildly, and in too many cases, the foam has been applied without proper assessment of the property’s condition, ventilation, or suitability.
❌ This Happens More Than You Think
At Spray Foam Advice Centre, we’ve spoken to hundreds of homeowners caught in the crossfire. Often, they’re blindsided by surveyors or lenders only after the foam is installed—when it’s too late to back out, and the only option is removal.
We’re not surprised by the PCA’s findings. In fact, we think the real number of problem installations may be even higher.
🛠️ What Can Be Done?
The PCA and HomeOwners Alliance are now calling for:
- Stricter regulation around spray foam products and installers.
- An approved register of removal specialists (currently there is none).
- Financial support or loan options for homeowners who’ve been left with unsafe or unmortgageable homes.
We fully support these calls. But in the meantime, homeowners are left to navigate this minefield alone.
💬 Where Can You Get Help?
That’s exactly why we exist. At SFACUK, we offer:
- Free advice on what to do if you’ve got spray foam.
- Help speaking to your lender or surveyor.
- Support with removal quotes and remediation plans.
We're not here to sell you anything—we’re here to help you get your home back.
📞 Visit www.sfacuk.org or give us a call on 0345 850 0445 for free advice and honest guidance.
Has spray foam stopped your sale or caused problems with your roof?
You’re not alone—and you’re not stuck. Let’s talk.
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