Spray foam insulation is a material used to seal and insulate homes. However, if improperly installed or aged, it can trap moisture against the structure of your home. This can lead to timber decay, mould growth, fire risks, and even mortgage issues, as many lenders now refuse properties with spray foam insulation.

Mortgage lenders have grown increasingly cautious about properties with spray foam insulation, particularly in loft spaces and roofs. This is mainly due to the hidden risks associated with the material:

• Moisture Entrapment: Spray foam can trap moisture against the roof timbers, leading to rot and structural weakening. Surveyors often cannot properly assess the condition of the roof without invasive inspections, making lenders reluctant to approve finance.

• Structural Concerns: Over time, undetected timber decay caused by trapped moisture can result in costly repairs, creating uncertainty around the long-term stability of the property.

• Health Risks: Foam insulation can also encourage mould growth if moisture becomes trapped, potentially affecting indoor air quality — another concern for responsible lenders.

• Difficulty in Assessment: With spray foam covering the underlying materials, surveyors struggle to complete a thorough evaluation of the roof’s true condition, making it a higher risk investment for banks.

Due to these factors, many banks will refuse to lend or release equity on a property until the spray foam insulation is professionally removed and the structural condition of the roof has been verified.

If you are planning to sell, remortgage, or have concerns about the condition of your roof or air quality, it is wise to have your property assessed. Visible signs of moisture, sagging, or concerns raised in a property survey often indicate the need for removal.

Our removal methods are designed to be safe and non-destructive. Our experienced technicians carefully extract the foam without harming the underlying timber or roofing materials, preserving the integrity of your home.

Yes, we are fully equipped to remove both types. Open-cell foam is generally softer and easier to remove, while closed-cell foam is denser and requires more specialised techniques. Our team is trained in handling both safely and effectively.

The time required depends on the size of the property, the type of foam, and the complexity of the job. On average, a typical residential removal takes between two to five days. We will provide a clear timeframe after our initial survey.

Yes, we offer a full Roof Rescue service. If your roof or loft timbers have been compromised by trapped moisture or foam, we can repair or replace the affected areas to restore structural integrity and prevent future problems.

In most cases, yes. After removal, we recommend re-insulating with breathable, safe, and eco-friendly materials. We offer advice and installation services for a range of alternative insulation options to suit your needs.

Costs vary depending on the size and complexity of the job. We offer competitive, transparent pricing and will provide you with a detailed quote after an initial inspection.

Absolutely. Removing spray foam insulation and providing professional documentation of the removal process can help restore your property’s eligibility for mortgages, remortgaging, or equity release.