SPF Insulation and Mortgages

If your home has spray foam or SPF insulation and you’re worried about spray foam mortgage problems, this article is for you.

We go over the reasons behind recent concerns and give guidance to those dealing with or considering SPF insulation for their properties.

 

Airflow Restriction and Moisture Issues

SPF insulation has a somewhat negative impact on a home’s ventilation.

It is known for its excellent sealing capabilities, which are helpful in blocking air from circulating within the roof space. Nevertheless, it can also be the reason behind major problems.

Without proper airflow, moisture can accumulate, causing dampness and condensation.

With time, this moisture can make roof timbers rot. This is bad for the structural integrity of the home, and there’s concern over its long-term safety.

It is because of these risks that many mortgage lenders don't immediately give you the green signal when it comes to financing properties with SPF insulation.

 

Challenges in Removal and Property Inspection

The relationship between SPF insulation and mortgages also becomes very complicated when you start removing this SPF after installation.

SPF sticks very strongly to surfaces.

It can get challenging and costly to remove. In fact, removal usually costs more than the initial installation.

This strong bonding also bothers surveyors.

During the mortgage valuation process, surveyors have a hard time assessing the condition of the roof timbers hidden beneath the insulation.

They are unable to evaluate the property well, and lenders worry about the safety and long-term value of the property.

Advice for Homeowners with SPF Insulation

If you are a homeowner with SPF insulation, it’s important that you take proactive steps to address the likely chances of mortgage issues.

We give you some practical tips:

 

1. Keep Detailed Records

Homeowners should keep thorough documentation related to their SPF installation. This will cover any guarantees, pre-installation surveys, and certificates from independent organizations like KIWA or the British Board of Agrément (BBA).

These documents can be extremely helpful when selling a home or applying for a mortgage, as they act as evidence that the installation was performed correctly and meets industry standards.

 

2. Avoid Scams Related to Insulation Removal

Some companies exploit homeowners' concerns by giving unnecessary and overpriced insulation removal services.

They may falsely claim that the original installation did not meet required standards and it may be time to change or remove.

Homeowners should be careful and consult with their installer before thinking about removal.

Isothane is a reputable company in the insulation industry, and it strongly advises against unnecessary removal if the SPF is installed correctly.

3. Handling Complaints and Concerns

If homeowners have concerns about their SPF insulation, the first step should be to contact the original installation company or the certification body associated with the product.

If you received insulation through the Green Homes Grant, there is a formal complaints process in place you can resort to.

Consumer Protection and other such organisations can help homeowners get justice who have been cheated.

If there is even a little doubt in your mind – get help from a legal professional or consult Citizens Advice to manage disputes with contractors or traders.

Parting Thoughts

SPF insulation gives you multiple benefits in terms of energy efficiency and home comfort, but it also comes with the challenge of getting a mortgage – if there’s improper documentation or installation.

Homeowners must remain informed about these issues if they want to keep their investments valued up.

Isothane is a leading UK-based manufacturer of polyurethane foam products that offer a range of insulation solutions, including those for residential use. With a nationwide network of installers and high-quality solutions, Isothane extends reliable options for homeowners considering SPF insulation.