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What is Spray Foam Removal?
Spray foam insulation (SPF) is not a new type of insulation. It’s been around for more than 30 years. But it’s only now that homeowners realize how this type of home insulation can cause health problems and affect their chances of securing a conventional mortgage or obtaining equity release.
So What is Spray Foam Removal?
Spray foam insulation provides an alternative type of insulation to fiberglass, mineral or wool fibre rolls. It’s frequently used in roofs, although the foam can also be used to insulate walls and floors.
Types of spray foam insulation
There are two types of spray foam insulation, open cell and closed cell. If the wrong one is
used in a property, it can lead to problems. If your property has open cell spray foam
insulation installed and a good vapour barrier is not used, the foam will give off harmful
Open cell spray foam insulation
Open cell spray foam Once set, open cell spray foam is less dense – you can compress it with your hand.
So it can’t be used as a structural support. It’s not as good an insulator as closed cell foam, so you’ll need to install a thicker layer to get the same level of insulation.
Closed cell spray foam
Closed cell spray foam sets into a rigid solid which can help support the structure of your property if it’s not in the best condition. It tends to be a better insulator than open cell spray foam. This is because when it sets, it contains lots of separate pockets of gas which slow down the movement of heat through it. But it’s a barrier to moisture, so you’ll need to make sure your room or loft is well-ventilated to stop condensation building up.
Spray Foam Insulation Can Affect The Resale Value Of A Property
Having spray foam insulation can affect the value of your property. Not only will lenders turn down a buyer’s home loan application, but they could stipulate having a new roof installed before considering lending any money to an interested buyer. The cost of having a new roof installed is expensive, time consuming, and in a many cases the work causes a lot of inconvenience to owners.
Remortgaging A Property With Spray Foam Insulation
Lenders are not keen on remortgaging properties with spray foam insulation, and this applies if you are looking to remortgage your home. The reason mortgage companies and banks are never keen on remortgaging a property with this type of insulation is for the following reasons:
- Rotting roof timbers due to moisture damage
- Damp in roofs and in a property’s walls
- A roof’s integrity could be compromised
- Other hidden problems
Your lender may want you to have a new roof installed before they agree to a remortgage application. As previously mentioned, this is a costly exercise and one that can be extremely stressful.
Spray Foam Removal Service & Equity Release
Equity release could be the solution when you’re over 55 and want to unlock equity in your property. Releasing equity is something many homeowners now see as a perfect solution to pay off existing debts, repay an existing mortgage or even gifting money to children or grandchildren. Unfortunately, there are specific things that lenders don’t like which could affect their decision.
Can you get an equity-release loan with spray foam insulation?
You will not be able to borrow money against your home if it has spray foam insulation. Lenders don’t like spray foam insulation because it does not allow the roof timbers to breathe and they can rot from the inside. It also hides a lot of structural defects in a property. The only solution is to have the spray foam removed from the property, however this must be carried out by a professional. It’s not a DIY job and it is highly recommended that you let a reputable spray foam removal company do the job.
Having Equity release issues ? Why not speak to one of our equity release experts in Devon.
Why should I use a Spray Foam Removal Expert in Devon?
A competent company will remove the spray foam from all your roof timbers which allows them to breathe because of improved airflow. When the work is carried out by a reputable company, it may involve removing existing roof tiles too. As such, the process may take a little longer. But the good news is that this should not affect the total cost. A reputable spray foam insulation removal firm will always carry out a detailed internal survey prior to pricing a job. As such, the cost of spray foam insulation removal is known from the outset.
Were you missold Spray Foam Insulation?
You could seek compensation if you suffered distress and/or inconvenience because a contractor duped you into thinking spray foam insulation would save you money and better protect your home.
Know more about SPF
Frequently Asked Questions for your project.
What is spray foam insulation?
Spray foam insulation provides an alternative type of insulation to fibreglass, mineral or wool fibre rolls. It’s frequently used in roofs, although the foam can also be used to insulate walls and floors.
Could the presence of spray foam affect the resale value of my property?
Why should I contact a reputable spray foam removal company?
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