Spray Foam Removal Survey
Spray foam insulation can sometimes cause issues during the mortgage process, especially in the UK and parts of the US. Mortgage lenders, surveyors, and homebuyers may flag it as a problem, which is why removing spray foam can be important in the context of getting or keeping a mortgage.
Here are the key reasons:
🏦 1. Mortgage Rejection or Withholding
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Many lenders refuse mortgages on properties with spray foam insulation, especially in the roof.
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They may see it as a risk to the property’s structural integrity or future resale value.
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Removing the foam can help restore mortgage eligibility.
🏚️ 2. Conceals Roof Defects
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Spray foam can hide issues such as:
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Rotting timbers
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Leaks
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Insect or pest damage
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Surveyors often cannot inspect the condition of the roof, leading to valuation problems or lender refusal.
📉 3. Devaluation of Property
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Properties with spray foam may be valued lower, making it harder to:
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Refinance
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Sell
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Release equity
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Removing the foam and restoring traditional insulation can protect or increase property value.
🔁 4. Difficulties with Equity Release or Remortgaging
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Equity release providers typically require a clear roof inspection.
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Spray foam can block eligibility for these financial products.
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Removal may be necessary for financial flexibility in later life.
🧾 5. Insurance and Warranty Issues
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Some insurance companies may not cover homes with spray foam insulation, especially if it was DIY or improperly installed.
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It may also void warranties on the roof or attic.
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Removal can restore insurability and help meet mortgage requirements.
🧰 6. Compliance with Building Survey Recommendations
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RICS (Royal Institution of Chartered Surveyors) and other professionals may recommend or require foam removal before approving loans or sales.
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Lenders often rely on these surveys.
In summary, if spray foam insulation is present—especially on the underside of roof tiles—it can hinder or halt mortgage processes. In such cases, removal is often necessary to enable lending, improve saleability, and avoid long-term financial complications.