Spray foam insulation has been heavily promoted as a modern solution to heat loss, but in reality, it's now causing major headaches for thousands of UK homeowners. Whether you're trying to sell, remortgage, or resolve loft damp issues, spray foam may be at the root of your problems.
At Countrywide Roofing and Insulation, we're seeing more homeowners facing issues due to spray foam than ever before — from structural damage to property devaluation. In this post, we break down why spray foam isn't just an inconvenience — it can be a serious liability.
1. It Traps Moisture and Encourages Rot
Spray foam — especially closed cell — creates an airtight seal in your loft. While this helps retain heat, it also prevents ventilation. If any moisture enters the space, it becomes trapped, soaking into the timber and creating the ideal conditions for:
- Mould growth
- Condensation buildup
- Long-term rot and decay
Even open cell spray foam, which is softer and more breathable, can still absorb and hold onto moisture — with similar results if not monitored properly.
???? Stat: Nearly 1 in 4 UK homes with spray foam insulation report moisture issues within five years of installation.
2. It Can Make Your Property Unmortgageable
This is one of the most frustrating consequences. Many homeowners don't realise that spray foam can block mortgage applications until it's too late.
Because spray foam is applied directly to roof timbers, surveyors often can't inspect the structure underneath. Mortgage lenders now treat this as a major risk — and in most cases, will refuse to lend unless the insulation is fully removed and the roof checked.
???? Stat: Over 70% of UK lenders either restrict or reject mortgages on homes with spray foam in the roof.
If you're thinking about selling or releasing equity, spray foam may be standing in your way.
3. It Can Affect Indoor Air Quality
Spray foam is made from chemicals, including isocyanates, which can affect air quality — especially if the foam breaks down or is poorly installed.
Some homeowners report symptoms such as:
- Persistent headaches
- Breathing difficulties
- Skin irritation or allergies
These effects are more likely in homes with poor loft ventilation, particularly when closed cell foam is used and blocks airflow entirely.
4. Spray Foam Removal Isn't Simple — But It's Often Essential
Spray foam bonds tightly to surfaces, especially roof timbers and felt. This makes removal tricky and time-consuming — but for many, it's the only way to resolve issues or satisfy lender requirements.
At Countrywide Roofing and Insulation, we provide expert spray foam removal, including both open cell and closed cell spray foam removal. We use specialised tools and careful techniques to avoid damage and restore your loft to a breathable, compliant state.
Like Painting Over a Damp Wall
Imagine painting over a damp patch in your wall. It might look fine at first — but underneath, the moisture is still there, growing mould and worsening the problem. Spray foam does the same in your roof. It seals in issues, hides damage, and makes it harder to detect problems before they become serious.
5. It's No Longer Seen as a Selling Point
While spray foam used to be considered an energy upgrade, the tide has turned. Estate agents, lenders, and buyers now see it as a red flag — not a feature.
If you're thinking of selling, don't be surprised if:
- You're advised to remove it first
- Offers are reduced
- Buyers walk away altogether
We regularly help homeowners who are stuck in chains due to spray foam complications — and want their lofts put right quickly and professionally.
FAQs: Common Spray Foam Concerns
1. What are the top signs that I need closed-cell spray foam removal?
If you notice cracks, damp smells, mortgage refusals, or structural shifts, it could be time to remove the insulation. Discover the 5 most common red flags:
???? Top 5 Signs You Need Closed-Cell Spray Foam Removal
2. Can I still do equity release if my home has spray foam?In many cases, equity release is blocked or heavily restricted due to spray foam's effect on surveys and valuations. Here's how it impacts your financial options:
???? Understanding Equity Release If You Have Spray Foam
3. How long does spray foam insulation last?While manufacturers claim lifespans of 20–80 years, real-world issues like poor installation, moisture, or roof damage can cut that down drastically. Find out what to realistically expect:
???? What Is the Lifespan of Spray Foam?
4. When and why do I need spray foam removal?Removal becomes necessary when spray foam affects mortgages, causes damp issues, or fails a home survey. Learn how to identify the right time to act:
???? When and Why You Need Spray Foam Removal
5. Why are people removing spray foam insulation from their homes?Homeowners across the UK are removing it due to survey failures, property devaluation, trapped moisture, and restricted home improvement plans. Learn more:
???? Why Are People Removing Spray Foam Insulation?
6. Why is closed-cell spray foam difficult to remove?Closed-cell foam bonds tightly to surfaces, making it labor-intensive and risky to roof timbers if done improperly. Learn what makes it so tricky:
???? Why Closed-Cell Spray Foam Can Be Difficult to Remove
7. Why is spray foam hazardous?Spray foam can trap moisture, block ventilation, and release chemical off-gassing if applied incorrectly — leading to health, structural, and financial risks. Learn the dangers:
???? Why Is Spray Foam Hazardous?
8. Why shouldn't you spray foam your roof?Spraying foam directly onto roof tiles or felt can lead to decay, trapped moisture, and mortgage refusals. Here's why professionals advise against it:
???? Why Shouldn't You Spray Foam Your Roof?
Final Thoughts
Spray foam may have seemed like a smart upgrade at the time — but for many homeowners, it's become a costly mistake. From hidden damp and timber rot to mortgage refusals and reduced property value, the risks are simply too high to ignore.
At Countrywide Roofing and Insulation, we help homeowners remove spray foam safely and efficiently. Whether you've got open cell or closed cell insulation, we'll guide you through the process and restore your loft the right way.
Need expert help with spray foam removal?
Contact Countrywide Roofing and Insulation today for a free survey and no-obligation quote.