Is Spray Foam Insulation Stopping You from Selling or Remortgaging?
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When You Shouldn't Need to Remove Spray Foam
While removal is often necessary, there are specific situations where your existing spray foam insulation may be acceptable.
- The Installation Follows PCA Protocol: If your original installer followed the Property Care Association (PCA) protocol, it is a good indicator that the installation is of a high standard and may increase your chances of being approved for lending.
- Open-Cell Foam (In Certain Cases): Some types of open-cell foam are considered "breathable" and may not pose the same risk of trapping moisture. However, a professional survey is still required to confirm the condition of the roof timbers.
- No Immediate Plans to Sell or Remortgage: If you are not selling, remortgaging, or seeking an equity release on your home, and there is no evidence of damp or decay, you may choose to leave the insulation in place.
- Removal of Spray Foam Insulation: The removal of Spray Foam Insulation should be considered as a last resort.
- Remedial Action: In general, small remedial actions can satisfy BS5250 when a condensation report is not present. Book a call back for more information.
Unsure if your spray foam is an issue? If your insulation meets all the latest standards and protocols, you might not need to remove it, but we can help you understand your options. For free unbias advice, book a callback below.
Why You May Need to Remove Spray Foam
The Problem with Property Valuation
An estimated 250,000 homeowners have had spray foam installed, but many are now finding their properties are being valued at £0. Mortgage lenders and equity release companies are increasingly refusing properties with this type of insulation, putting a halt on sales and remortgaging. Removing it is often the only way forward.
If your insulation meets all the latest standards and protocols, you might not need to remove it, but we can help you understand your options.
Why Lenders Say No
Lenders rely on surveyors to provide a clear and accurate valuation of a property. Spray foam, when applied directly to the underside of the roof deck, makes it impossible for a surveyor to inspect the condition of the roof timbers and battens. This lack of visibility is a major 'red flag' and causes lenders to either down-value the property or reject the mortgage application outright, as there's a possibility that they cannot assess the long-term structural integrity of the roof.
Impact on Equity Release and Saleability
The same issue affects homeowners looking to release equity from their property. Equity release companies are also cautious, as the hidden risks of spray foam could devalue their asset. This could leave you trapped in your home, unable to sell, remortgage, or get the equity you need. The easy way to restore your property's value and marketability is by professionally removing the spray foam.
PCA Guidance: A Critical Factor for Lenders
The Property Care Association (PCA) has published a consumer guide and a professional inspection protocol for spray foam. This guidance has become a key reference point for surveyors and mortgage lenders.
The Risk of Improper Installation
If your spray foam was installed without the correct paperwork, or if it doesn't meet the standards for proper ventilation and moisture management, as outlined in the BS 5250:2021 British Standard, it could lead to timber rot, damp, and structural issues.
Unlikely to Get a Loan
Lenders are increasingly cautious. If a surveyor's report highlights that the spray foam installation does not comply with PCA guidance or is lacking the necessary certificates, it is highly likely that your mortgage or equity release application will be rejected.
To restore your property's value and ensure a successful sale or remortgage, it's often necessary to have the spray foam professionally removed and replaced with a traditional insulation solution.
Why Choose Logic?
Professional & Certified Team
Our certified team are experts in the installation, removal and distribution of spray foam products. When it comes to removal, you should trust the specialists. This will help to prevent any damage to your roof during removal.
Transparent & Fixed Pricing
We provide a fixed, all-inclusive quote with no hidden fees or charges, so you know the full cost upfront.
No high-pressure sales and no in-home visits required.
Fast & Efficient Service
We offer a quick and reliable service, providing a quote and completing the removal without delay.
Mortgage-Ready Certificate
Receive an official Logic certificate of removal. This will restore your property's valuation & marketability.
Elite Customer Experience
Our job isn't done until you're satisfied. We ensure clear and direct communication and provide excellent after-sales support.
A No-Pressure Process
We provide a no-obligation quote and service. Our entire process is conducted online or over the phone, so there's never a need for a home visit or high-pressure sales tactics.
Simple Quote Process
Get a quote without a home visit. Fill out the form, and we'll call you to provide a final, fixed-price quote in your inbox within 30 minutes of your call.
Fill in the form
Provide your details and some information about your loft to get started.
Get Your Quote
We'll review the information you've provided and give you a final, fixed-price quote over the phone with no home visit required.
Book your removal
Once you're happy with the quote, we'll schedule a time to complete the removal.
Our Safe and Professional Removal Process
1. Schedule Your Removal
Our expert removers will turn up at the agreed time to start the removal process.
2. Preparation & Removal
The area will be carefully prepared, and the spray foam will be removed using specialist equipment.
3. Clean-Up & Disposal
Once removed, the foam will be bagged up and responsibly disposed of, leaving your property clean and tidy.
4. Optional Re-Insulation
If requested, our experts can replace your spray foam with traditional insulation to ensure your property remains energy-efficient.
5. Receive Your Removal Certificate
Upon completion, you will receive an official Logic removal certificate. This document should restore your property's value and marketability.
What Our Customers Say
"I need to sell my property and was told by various estate agents that it will be difficult for a buyer to get a mortgage because of the foam in the roof... I called Logic, they came around promptly and within days my roof was back to what it was. I found them to be courteous and reliable... I would recommend them if need your foam removed."
★★★★★
- J Murdoch
"Absolute amazing service I received from Logic. The whole process was great start to finish... The team were polite and super efficient, got the job done in two days! Removed all the foam from the loft couldn't be happier with the level of service provided to me."
★★★★★
- Mr C Lee
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