The Hidden Costs of Spray Foam Insulation: What Every Homeowner Needs to Know

While spray foam insulation promises better energy efficiency, UK homeowners are discovering significant challenges when selling or remortgaging properties with it installed. Here’s a closer look at the issue and what you can do.

Spray foam insulation, used widely for thermal efficiency, has left many homeowners facing unexpected hurdles. A BBC investigation found that a quarter of major UK lenders won’t approve mortgages for homes with this insulation type due to concerns about installation quality, moisture retention, and potential timber damage.

Homeowners like Wendy Rowe have faced steep costs. Her family spent thousands removing improperly installed spray foam to sell her late father’s home, installed under the Green Homes Grant scheme. Others, like Gary Wright, discovered insulation only when seeking new mortgage terms, leading to costly removal efforts and financial strain.

While the Insulation Manufacturers Association maintains spray foam can be effective if installed correctly, it warns of rogue removal firms exploiting homeowner fears. Trusted experts recommend maintaining thorough installation documentation and seeking independent assessments to mitigate risks when dealing with lenders.

For those considering spray foam insulation or dealing with existing installations, awareness is key. Partner with certified professionals, retain all records, and consult qualified surveyors when selling or remortgaging to navigate the challenges with confidence.