Spray foam insulation has long been praised for improving energy efficiency and sealing draughts. But for many UK homeowners, it’s now becoming a serious liability. From trapped moisture to blocked mortgage applications, the risks of spray foam insulation are no longer hidden.
If you’re wondering whether your spray foam should be removed, here are the key warning signs to watch for — and what to do if your property is affected.
1. Your Home Feels Damp, Humid or Musty
A well-insulated home should feel warm, dry, and breathable. If your home is constantly humid or musty, spray foam may be interfering with natural ventilation.
Moisture in the loft space can build up without airflow
Mould or mildew may appear on walls, ceilings, or around windows
Condensation may linger, especially in colder months
🛑 Why It Matters:
Trapped moisture creates the ideal conditions for timber rot, mould growth, and long-term damage to your property — even if the foam appears fine from the outside.
2. Your Roof Looks Misshapen or Under Pressure
Spray foam expands as it cures. In some cases, it exerts pressure on the inside of the roof, especially if applied too thickly or without proper spacing.
Sagging rooflines or bowed tiles
Compressed or cracked roof beams
Uneven interior roof panels
🛑 Why It Matters:
Spray foam can put unnecessary stress on your roof structure, leading to costly repairs, roof leaks, or even long-term structural failure.
3. Mould, Moisture & Rot in the Loft
One of the most common hidden issues with spray foam insulation is trapped moisture in the loft space — which may not be visible until it’s already caused damage.
What to Look For:
✔ A musty smell in the loft
✔ Dark patches on beams or rafters
✔ Mould spores on insulation or timber
✔ Warped or weakened roof trusses
🛑 Why It Matters:
Spray foam limits air movement. Over time, moisture from everyday activities (cooking, showers, drying clothes) becomes trapped, leading to rot, decay, and structural weakening — all unseen until the damage is done.
4. A Surveyor Can’t Inspect Your Roof
If you’re planning to sell, remortgage, or release equity from your property, your lender will require a full structural survey.
But with spray foam in place, surveyors can’t visually inspect your roof timbers. Most will flag this as a major risk — and lenders will respond by refusing finance.
Surveyor marks roof as “inaccessible”
Mortgage application is put on hold or denied
Sale falls through due to an “unmortgageable” home
🛑 Why It Matters:
Even if your foam was correctly installed, lack of visibility alone is enough to prevent a sale or remortgage from going ahead.
5. You’ve Been Rejected by a Lender or Equity Release Provider
Spray foam insulation is now on the blacklist for many high street lenders and equity release companies — regardless of condition or installation quality.
✔ You Might Be Affected If:
✔ A buyer’s mortgage was declined due to the spray foam
✔ Your property valuation flagged insulation as a concern
✔ Your equity release application was denied despite good equity
🛑 Why It Matters:
Even if your home is structurally sound, the presence of spray foam is often enough to make your property “unlenderable” — and this blocks your financial options completely.
What Should You Do if You’re Seeing These Signs?
If you suspect spray foam insulation is causing issues — or you’re facing finance problems because of it — removal is your best option.
At Spray Foam Advice, we help UK homeowners resolve these issues safely, professionally, and with full support from start to finish.
We can:
✔ Assess whether your spray foam needs to be removed
✔ Connect you with vetted UK removal specialists
✔ Guide you through the removal and certification process
✔ Help ensure your home becomes mortgage-ready and marketable again
Request a Free Consultation Today
Don’t let spray foam trap you in a home you can’t sell or refinance.
📞 Call us: 020 7870 3965
📧 Email: contact@sprayfoamadvice.co.uk
✔ Free advice. No pressure. Expert support every step of the way.