Many leading banks and mortgage lenders are now reluctant to approve properties or mortgage applications for homes with spray foam insulation installed in the roof.
While spray foam insulation can improve a property’s energy efficiency, it is known to cause damage to the roof’s timbers and membrane. A further issue is that the damage is often concealed behind the insulation, which could lead to significant structural issues down the line, requiring costly roof and timber repairs.
The best solution is to remove the existing insulation, a task that requires both skill and experience. Our trusted contractors can safely remove spray foam insulation and replace it with a more reliable, lender-approved alternative, potentially saving you from major future expenses on roof and timber repairs.
For more information about spray foam insulation removal, call our team today at 0800 2062241, or fill out our online enquiry form, and a member of our team will get in touch with you as soon as possible.
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It’s essential for homeowners to understand the potential damage that spray foam insulation can cause to their roofs and roof joinery.
Insulation companies often emphasize the benefits, such as significantly lower energy bills and reduced heat loss, but they rarely mention the potential risks. Many mortgage lenders and major banks are unwilling to provide mortgages or financing for properties with spray foam insulation in the roof.
By sealing the roof space, spray foam insulation can restrict airflow to the roofing membrane and timbers. While this boosts energy efficiency, it can also lead to condensation forming between the insulation and the roofing membrane.
This condensation can cause the timbers to rot, resulting in structural damage to the roof. Given that mortgage terms often span 25 to 30 years, a roof with spray foam insulation could deteriorate to the point where repairs become uneconomical, and the property may not retain its value relative to the mortgage amount.
If you’re considering a mortgage on a property with spray foam insulation, it’s crucial to consult with your mortgage broker or lender to determine what options are available.
In most cases, lenders are hesitant to mortgage properties with spray foam insulation, or they may offer loans at significantly higher rates. For this reason, it’s wise to have the insulation professionally removed.
Are you struggling to sell or remortgage your home because of spray foam insulation? Contact our team today!
Our team will undertake a free survey & assesment of your roof, providing a FREE no-obligation estimate for any removals & repairs.
Our experienced & professional insulation contractors will remove all spray foam insulation from your roofing cavity!
After removing your existing spray foam insulation, our team can install new, compliant insulation to keep your home warm and energy-efficient.
We offer a variety of products tailored to your property’s needs and your specific requirements. These include Rockwool Loft Insulation, Kingspan Insulation Boards, and Celotex PIR Insulation Boards.
It’s crucial that your loft and insulation meet the standards set by your mortgage lender, as well as comply with health, safety, and fire regulations.
By using the highest quality products available, we ensure maximum energy efficiency, helping to reduce your heating bills.