Spray Foam Insulation Problems
posted 11th May 2026
Spray foam insulation problems are rapidly becoming one of the biggest property-related complaints facing UK homeowners.
For years, spray foam insulation was heavily marketed as a modern solution designed to improve energy efficiency, reduce heating costs and enhance property comfort.
Many homeowners were told it would add value to their homes and future-proof their property against rising energy prices.
However, for a growing number of people, the reality has been very different.
Across the UK, homeowners are now discovering that spray foam insulation can create serious complications when trying to sell, remortgage or release equity from their property.
In many cases, surveyors have raised concerns about ventilation, moisture retention, timber inspection and long-term roof condition.
Some mortgage lenders have reportedly refused to lend entirely unless the spray foam insulation is professionally removed.
The financial consequences can be devastating. Removal costs alone can run into thousands of pounds, particularly where large roof areas are involved.
Some homeowners have also reported reduced property values, collapsed sales and significant delays during remortgage applications.
A common complaint raised by consumers is that these risks were either not properly explained or were significantly downplayed during the sales process. Many homeowners say they were encouraged to proceed quickly, reassured that the product was completely safe and given the impression that mortgage lenders universally accepted spray foam insulation installations.
In reality, the position appears far more complicated.
Another important issue is the way many installations were funded. Large numbers of spray foam installations were purchased using regulated finance agreements or credit cards. This means that even where an installer has ceased trading, potential claims may still exist against finance companies or credit card providers under Section 75 of the Consumer Credit Act 1974.
Section 75 can, in certain circumstances, make lenders jointly responsible where there has been misrepresentation or breach of contract connected to a financed purchase. This has become increasingly relevant in cases where homeowners believe they were not properly informed about the true risks associated with spray foam insulation.
At Claims Advice Line, we are now assessing claims for homeowners experiencing problems linked to spray foam insulation. This includes reviewing:
- Mortgage refusals
- Property valuation issues
- Unsuitable installations
- Alleged misrepresentations during the sales process
- And potential finance-related claims.
If you are experiencing problems with spray foam insulation, early advice can be important. Documentation, finance agreements, surveys and installation paperwork can all become highly relevant when assessing potential claims and liability.
