Spray Foam Insulation Advice And Removal
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What is Spray Foam Insulation And Why Should You Have It Removed ?
Also known as spray foam, or spray polyurethane foam (SPF), this is an alternative to traditional building insulation such as fibreglass, wool or mineral fibre rolls. It can be used to insulate your roof, loft, walls and floor – but it is the roof installation that particularly causes problems for UK mortgage lenders.
The foam is applied in a liquid form using powered sprayers, which then expands and turns to a solid coating. This foam has greater insulating properties than many alternatives.
This picture is from a roof space attended by www.sprayfoamremoval.co.uk the rot has been caused by water ingress being hidden by spray foam insulation and before long it was too late, this has resulted in the Owner having to have a complete new roof.
Guidance on Mortgage Lenders And Why Lenders Require Spray Foam To Be Removed Before Lending
Why is it a problem for Mortgage Lenders?
By sealing the roof space with this material, air circulation can be restricted to the roof and timbers. This can lead to condensation, which in turn can eventually lead to the rotting of the wooden roof supports.
The closed cell foam version also sets very hard. This can put stresses onto the supporting roof timbers too, causing distortion of the roof itself.
Which Lenders will accept Spray Foam Insulations?
As mortgage and equity release advisers, we have access to tools that provide data on the lending criteria of most There are only two equity release lenders who may consider properties with this type of insulation, but one requires a long-term guarantee and will rely on their Valuer’s comments about it. The other insists it is the open-cell type and again it would only be with their Valuer’s approval.
So what should you do?
If you are interested in mortgaging a property which has spray foam insulation installed, or are considering buying one (always ask the estate agent whether this is the case) then you need to get advice on what type of mortgage might be available to you. You will need to find out as much about the installation as possible – when was it installed, which type is it (open or closed cell), was it professionally installed, is there a guarantee available, the age of the property and the age of the roof, and any other relevant information.
A Little History
Polyurethane, the most common type of spray foam insulation, was developed in the 1940s and used primarily on airplanes. It wasn’t until the 1970s that it started to be used as foam insulation.
Spray foam is often installed incorrectly, leaving gaps or holes, which reduces its performance. Another issue is that SPF is not necessarily breathable, so inadequate ventilation can mean moisture is trapped and condensation forms between the insulation and external walls/roof, causing damp.