Should You Be Worried About Spray Foam Insulation?
- Add People SEO
- Feb 11
- 3 min read
Spray foam insulation has grown in popularity across the UK in recent years, especially for lofts, roofs, and hard-to-insulate properties. While it offers energy-saving benefits, it has also become a source of concern among homeowners, surveyors, and mortgage lenders. If you are wondering whether spray foam insulation is a smart choice for your home, this guide will walk you through the risks, implications, and what to do if you already have it installed.
What Is Spray Foam Insulation and Why Is It Controversial?
Spray foam insulation is a liquid material that expands and hardens into foam when applied. It seals gaps and reduces draughts, helping improve energy efficiency. But its advantages come with a series of significant drawbacks.
The controversy stems from growing reports of:
Mortgage refusals linked to properties with spray foam
Health concerns from chemical emissions
Damage to timber structures
Trapped moisture and hidden defects
As independent property surveyors across London, we’ve assessed many properties where spray foam has caused more harm than good.
What Are the Main Risks of Spray Foam Insulation?
1. Trapped Moisture & Damp Issues
Spray foam creates an airtight seal, which can block natural airflow in a loft or roof void. Without proper ventilation, moisture becomes trapped. This can lead to condensation, mould growth, and timber decay.
2. Difficulty Spotting Structural or Electrical Problems
Once foam covers rafters, timbers, and wiring, it becomes difficult to inspect these critical elements. Issues such as woodworm, rot, or even electrical faults can go unnoticed until major damage has occurred.
3. Fire & Electrical Safety Risks
Spray foam applied over electrical cables can prevent heat from dissipating, potentially leading to overheating or fires. This risk increases when non-specialist installers apply foam inappropriately.
4. Mortgage & Insurance Barriers
Many lenders and insurers are now cautious about properties with spray foam insulation, particularly in lofts. You could face:
Mortgage refusals
Difficulty remortgaging
Insurance claim complications
5. Reduced Property Value & Resale Issues
Spray foam can make your home harder to sell. Buyers are wary due to the growing number of mortgage issues and potential removal costs.
6. Health Hazards
During installation, the foam releases fumes that require the property to be vacated. Even after curing, dust from cutting or removing foam can irritate the lungs if not handled correctly.
7. Difficult & Costly to Remove
Once spray foam is applied, removing it can be a complex, expensive process. It often damages roofing materials and timbers in the process.
What Should You Do If You Have Spray Foam Insulation?
1. Gather Documentation
Collect all paperwork, including:
Product data sheets
Installation warranties
Installer accreditation
This may help during future inspections, surveys, or mortgage applications.
2. Get an Independent Assessment
Hire a qualified, impartial surveyor with experience in assessing spray foam issues. At Drysolve, I offer specialist reports for homeowners and buyers dealing with spray foam insulation in London.
3. Don’t Panic Over Cold Calls
There are rising reports of cold callers claiming your spray foam is illegal or dangerous and demanding immediate removal. Be cautious. This could be a scam.
4. Consider Safer Alternatives
If you are planning insulation, consider proven alternatives:
Mineral wool
Cellulose fibre
Fibreglass insulation
These are breathable, reversible, and widely accepted by mortgage lenders.
Is Spray Foam Ever a Safe Option?
When installed correctly by certified professionals, in the right environment, spray foam can be effective. For example:
In industrial units with non-timber roofs
Where ventilation and moisture control are assured
However, in residential lofts or older homes in London, the risks often outweigh the benefits. Independent assessment is essential.
How Can Drysolve Surveying Help?
As a CSRT and CSSW-qualified independent surveyor, I offer:
Unbiased inspections of spray foam insulation
Detailed reports for mortgage providers and insurers
Advice on safe removal or remediation options
Integration with wider damp, timber, or waterproofing inspections
Check my testimonials to see how I have helped other homeowners.
Should You Be Worried?
Yes, spray foam insulation can pose serious risks. From health and safety hazards to mortgage complications, it’s not a decision to take lightly. If you already have spray foam in your property, it’s worth seeking a professional, independent opinion.
For peace of mind, book an assessment with Drysolve Surveying.
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