Spray Foam Removal UK

Advice & Guides about the Dangers & Best Practices for Removing Spray Foam


Gudance on Mortgages, Insurance and Health Issues

Remortgaging a Home With Spray Foam Insulation

Although spray foam insulation has been a popular choice to use in properties for 30 years or so, it can significantly reduce the chance of remortgaging your home. The same applies to conventional mortgage applications. You may also have trouble with an equity release lifetime mortgage if your home has spray foam insulation in a roof, attic, or loft. A solution is to contact a spray foam insulation removal firm and ask for an estimate.

Spray Foam Insulation and Its Uses in a Home

Spray foam insulation is an alternative to other types of insulation which includes mineral fibre rolls, fibreglass, or wool. Otherwise known as spray polyurethane foam or SPF, this type of insulation can be used in a roof, loft, floor, and walls. However, the problem UK mortgage lenders have with spray foam insulation is when the foam has been installed in a roof.

The Two Types of Spray Foam Insulation

There are two type of spray foam insulation which are:

Open cell spray foam – the cells are not totally encapsulated. As such, the foam is softer, spongy. It is also more flexible
Closed cell spray foam – cells are closed and as a result, air and moisture cannot get into the foam.

Closed cell spray foam also sets rigidly and is therefore, a lot more stable.

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The EPA’s Opinion on Spray Foam Insulation and Toxicity

When it comes to safety and toxicity, the EPA found the following:

When people are exposed to spray foam chemicals and isocyanates whether in vapours, dust, and aerosols during installation or afterwards, they are “at risk of developing sensitization, asthma, lung damage as well as other types of breathing and respiratory issues. Homeowners are also more at risk of developing eye and skin irritation.

Why Mortgage Lenders Find Spray Foam Insulation a Problem

When a roof space is sealed using spray foam insulation, it restricts air circulation. This can negatively impact roof timbers and therefore, the integrity of a roof. When condensation accumulates in a roof space, timbers start to rot. Another issue is that closed cell spray foam sets extremely hard which can put extra stress on supporting roof timbers. This can negatively impact the integrity of a roof too.

A Solution to Spray Foam Insulation and Remortgage Issues

If you want to remortgage your home and it has spray foam insulation, a reputable spray foam removal firm can assess any damage and provide a quote. The company will provide a detailed report explaining the damage, if any, that is evident. However, there may be hidden damage to a roof and supporting timbers too. That said, a spray foam insulation removal firm with the right experience will keep you informed in real time of any issues they come across.

At the end of the day, mortgage lenders do not like lending on properties with spray foam insulation. As such, if you are thinking about remortgaging your home, it would be wise to seek expert advice before approaching your lender. You should contact a specialist spray foam removal firm and have a detailed assessment of a roof space beforehand.

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