Spray foam, or SPF, commonly used for insulating roofs, walls, and floors, is known for its energy efficiency benefits.
But its application – in wooden roof structures especially – has become a cause of concern among homeowners and mortgage lenders.
Improper installation has become a reason for difficulties in getting mortgages and selling homes.
What is SPF?
SPF, or Spray Polyurethane Foam, acts as an insulation material that’s made from polyols and diisocyanates.
When applied, the foam expands and solidifies. It creates a fence that helpfully holds the heat and controls air leakage.
SPF comes in two types: open-cell and closed-cell.
Open-cell foam is less dense and has a spongy texture, while closed-cell foam is denser and more rigid.
Issues Arising from Improper Installation
SPF has been used for over 25 years without any major issues in most applications.
But recent reports have underlined some problems related to its use in timber-framed roofs.
These problems are normally born of improper application:
Reduced Ventilation: Improperly installed SPF can be responsible for less air circulation within the roof space. This means moisture can accumulate over time building stale air.
Moisture Trapping: The presence of dampness and condensation becomes a concern when SPF traps moisture within the roof structure. It can negatively affect material integrity.
Structural Damage: If moisture is trapped, it can decay and weaken timber roof beams. This is also bad for the structure as time passes.
Because there’s scope of so much to go wrong, it is critical to select a qualified professional for SPF installation.
SPF removal is very costly and it’s best to apply it right.
Installation and Documentation
The UK’s Green Homes Grant, gave incentives for homeowners to increase their homes’ energy efficiency and the installation of SPF. SPF applications rose as a result of this.
Homeowners should only hire professionals who stick to the manufacturer’s guidelines.
They should also keep complete records of the installation process, such as Independent validation from recognized bodies like KIWA and the British Board of Agrément (BBA).
They should be certain that the SPF application comes with guarantees.
Homeowners also need to keep pre-installation surveys.
Proper documentation can make the process of selling or refinancing a home much easier. It is proof of a correctly executed SPF installation and critical to getting a mortgage.
Managing Spray Foam Mortgage Problems
It’s not like all mortgage lenders reject properties with SPF insulation, but most do.
Eligibility depends on the type of SPF used and the quality of its installation.
The HomeOwners Alliance (HOA) notes that lenders normally ask for a professional survey to know about the condition and impact of SPF on the property before giving the green signal.
Homeowners who purchased SPF through the Green Homes Grant can get access to dispute resolution processes.
Additionally, under the Consumer Protection from Unfair Trading Regulations 2008, homeowners can also get compensation if they were misled or if critical information was kept from them during the purchase process.
Consulting organizations like Citizens Advice can be of help as well.
Final Thoughts on SPF and Homeownership
There have been some cases of companies indulging in false claims that SPF installations are illegal and need to be removed.
Reputable installers like Isothane can’t stress enough against removing correctly installed SPF and instead suggest that homeowners first consult the original installer or an accredited body if they come across problems.
Proper installation by licensed and experienced professionals can majorly cut down on the risks and make sure that SPF performs helpfully and safely.
Isothane is a trusted name in the insulation industry and provides advanced solutions that improve energy efficiency and protect structural integrity. Their products are of the highest standards of performance and reliability across various applications.
