Thousands of homeowners in the UK are facing challenges when it comes to remortgaging or selling their properties due to the presence of spray foam insulation. A recent investigation by the BBC revealed that a quarter of the country’s major mortgage providers have refused to lend on homes with this type of insulation in the roof. Spray foam insulation, also known as spray polyurethane foam (SPF), is an alternative to traditional building insulation that boasts benefits such as improved energy efficiency. However, concerns over safety and potential devaluation of properties have come to light.
It is estimated that approximately 250,000 homes in the UK have spray foam insulation installed. In England, the insulation was commonly implemented under the former UK Government’s Green Homes Grant scheme. One family, the Rowes, shared their experience with the BBC, highlighting the difficulties they faced in selling their father’s property after his passing. Despite the insulation being initially covered by the government grant, subsequent issues with the installation led to costly removal and replacement measures.
Spray foam insulation is used to prevent heat loss in roofs, lofts, and attics and is available in closed cell and open cell forms. The former offers rigid thermal insulation but can cause structural issues if improperly installed. The latter remains soft once set and allows for breathability but may trap moisture if not applied correctly. Concerns over poor installation leading to timber decay and potential risks have prompted several mortgage lenders to adopt cautious approaches towards properties with spray foam insulation.
Major UK lenders such as TSB Bank, Skipton Building Society, and Co-operative Bank have stated that they do not lend against properties with spray foam insulation, while others assess applications on a case-by-case basis. Industry bodies like the Property Care Association (PCA) have introduced inspection protocols to assess risks associated with spray foam in pitched roofs. Additionally, experts emphasise the importance of proper installation to mitigate potential issues and safeguard property values.
In Wales, organisations like Care & Repair Cymru have cautioned against hasty decisions regarding spray foam insulation, urging homeowners to seek advice and conduct thorough research before proceeding with such upgrades. This comes in response to reports of rogue traders misleading vulnerable individuals, underscoring the need for diligence when considering insulation options. While energy efficiency remains a critical goal, ensuring that insulation work is carried out correctly and by reputable professionals is paramount.
As homeowners grapple with the implications of spray foam insulation on property transactions, industry stakeholders and regulatory bodies are working to address concerns and provide guidance on best practices. With the spotlight on the challenges faced by those with spray foam in their homes, efforts to enhance transparency, safety, and consumer protection in the insulation sector are gaining prominence. The evolving landscape surrounding spray foam insulation underscores the importance of informed decision-making and adherence to industry standards to safeguard both property values and occupant well-being.