If you’re a homeowner worried about spray foam insulation in your property, a new consumer guide offers some much-needed clarity and reassurance.
The Property Care Association (PCA) has released a comprehensive guide explaining what to do if spray foam is present in your home — and how to deal with potential issues when selling or remortgaging.
What is spray foam insulation?
Spray foam insulation is applied in liquid form to the underside of a property’s roof, where it expands and hardens to create a layer of insulation. It’s been promoted as a quick, effective way to make homes more energy-efficient and reduce heating costs.
Around 250,000 UK homes are thought to have spray foam installed. However, concerns have grown in recent years about the potential structural risks it can pose.
Why is spray foam a concern?
While spray foam doesn’t automatically cause problems, it can sometimes block airflow within the roof structure. This can lead to trapped moisture, which over time may cause damp, mould, or even timber decay.
The bigger issue is that spray foam can make it difficult for surveyors to inspect a roof properly, as it hides the structure beneath. Because of this, some mortgage lenders refuse to lend on properties with spray foam insulation, making it harder to sell or remortgage.
It can also affect homeowners applying for equity release, as lenders need a clear view of the property’s condition before approval.
What to do if your home has spray foam
There’s no need to panic — not every property with spray foam experiences issues. But if you’re unsure, it’s worth taking proactive steps.
- Download the PCA guide. The full report is available at www.property-care.org. It outlines practical steps for homeowners and what to expect from a professional inspection.
- Get a qualified surveyor’s opinion. A competent, independent surveyor can assess whether the insulation is causing problems.
- Consider professional removal if advised. If your surveyor recommends removal, use a reputable contractor experienced in spray foam remediation.
A word of warning
Trading Standards has issued alerts about rogue removal firms targeting vulnerable homeowners. Be wary of cold callers or anyone pressuring you to act immediately.
Always:
• Get multiple quotes for any removal work.
• Check credentials and qualifications carefully.
• Never agree to on-the-spot offers or upfront payments.
Reassurance for Thetford homeowners
While spray foam insulation can complicate a sale, many properties are successfully sold once the issue is properly assessed and managed. If you’re planning to sell your home in Thetford and think spray foam might be a concern, our team can offer honest advice and connect you with trusted local experts.
Article by Andrew Overman | Partner | Location Location East
