Closed-cell spray foam insulation can seriously stunt air movement in roof spaces.
This lack of airflow generally results in moisture accumulation and condensation on roof timbers.
Dampness and condensation can be a genuine threat and cause rot and structural damage. The potential for long-term harm to the property’s integrity is a matter of great worry for lenders – they prioritize the safety and durability of properties.
Inspection and Removal Challenges
Removing spray foam insulation turns out to be quite challenging and costly because of its strong adhesive properties.
The expense of removal usually goes over the initial installation cost mark. During mortgage valuations, surveyors face difficulties in properly inspecting roof timbers and structures covered by spray foam insulation.
This hindrance makes it hard to evaluate the property’s actual condition, leading to lender hesitation.
Impact on Lender Policies and Property Valuations
Many UK mortgage lenders veto applications for homes that have opted for spray foam insulation.
The presence of this insulation can lower property values and make expensive professional inspections a necessity.
Lenders are in no mood to approve these mortgage applications because of the concerns over decreased property value and increased inspection costs.
Problems with Resale and Remortgaging
Homes equipped with spray foam insulation face major challenges in the resale and remortgaging markets.
Selling or refinancing these properties becomes difficult. That’s because lenders are unwilling to provide loans for them.
This reluctance puts homeowners in a difficult position as they struggle to access their equity or sell their homes – most likely even resulting in depreciating assets.
Tips for Homeowners
Maintain Proper Documentation
Homeowners who have installed spray foam insulation should keep complete records and documentation.
They should have all documents like spray foam guarantees, independent validation certificates from KIWA and the British Board of Agrément (BBA), and pre-installation surveys.
Whenever homeowners decide to sell or refinance their homes with spray foam insulation, these documents will be invaluable as they will be proof that the installation was performed correctly.
Beware of Removal Scams
There have been reports of companies contacting homeowners on their own, falsely claiming that spray foam installations did not meet standards and offering costly removal services.
These companies generally only have fake credentials to support them. Homeowners should not rush to do as they say and remove their spray foam insulation.
Instead, they should get in touch with the original installation company if contacted by such groups.
Isothane, a reputable company in the industry, strongly advises against removing properly installed spray foam and is also compiling a list of fraudulent companies to report to Trading Standards.
Addressing Complaints
First of all, homeowners with concerns should address them with their installation company or the accrediting organization.
Those who received insulation through the Green Homes Grant have a specific process for dispute resolution. If homeowners have any reason to believe that they have been misled or that certain critical information has been kept from them, they may seek redress under the Consumer Protection from Unfair Trading Regulations 2008.
They should also seek advice from a lawyer or professional and contact Citizens Advice for assistance with trader disputes.
Knowing about these proactive measures can help homeowners make their way out of such difficult situations.
Managing properties with spray foam insulation effectively involves holding accurate records, careful evaluation, and informed decision-making.
If they can understand the importance of spray foam insulation and take the necessary actions – homeowners can manage their properties much better, avoiding pitfalls on the way.
About Isothane
Isothane is a leading UK-based polyurethane foam manufacturer. They provide a broad range of insulation, waterproofing, and rigid foam solutions across various industries and also make use of specialized PU technology. The company has a nationwide and trusted network of installers.
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