Spray foam insulation has been used in lofts and roofing systems across the UK as a way to improve energy efficiency and reduce heat loss. However, many property owners in Lincolnshire are now facing the consequences of poor installation, hidden damage, and difficulty obtaining mortgage approval due to the presence of spray foam. If you have spray foam applied in your loft or roof space, recognising the warning signs early can save you from costly repairs and complications.
At Lincolnshire Spray Foam Removal, we help homeowners across the region safely and professionally remove spray foam insulation. Below, we outline seven key signs that it may be time to act.
1. Your Mortgage Application Has Been Declined
This is one of the most common red flags. If you’ve recently tried to remortgage or sell your property and the surveyor or lender has raised concerns about the spray foam, you are not alone. Many banks now refuse to lend on properties with spray foam insulation, particularly when it’s applied to the roof timbers, as it prevents a full structural inspection.
If your mortgage application is stalled or denied due to spray foam, removal is often the only way forward.
2. Signs of Timber Decay in the Roof Structure
Spray foam—especially closed-cell variants—can trap moisture against roof timbers. This lack of breathability can cause hidden condensation, eventually leading to fungal decay, rot, or mould.
If you’ve noticed a musty smell in the loft, black staining, or any signs of damp patches on ceilings, there may already be damage occurring beneath the foam. The longer it’s left untreated, the more expensive the repair.
3. A Recent Roof Leak That’s Hard to Trace
One of the major drawbacks of spray foam is that it can conceal roof leaks. Water may be seeping through the tiles, but the foam prevents you from identifying the source of the problem.
If you’re experiencing a leak in your home but cannot find any visible damage in the loft, the spray foam may be masking the issue. Removal is often necessary to uncover and resolve the problem properly.
4. Insulation Looks Cracked, Shrinking, or Discoloured
Over time, spray foam can deteriorate—especially if it was poorly installed or exposed to extreme temperature changes. Cracking, discolouration, or shrinking foam can reduce its effectiveness and raise concerns about trapped moisture or structural stress.
Degrading spray foam is a strong indicator that professional removal and a proper ventilation-friendly insulation replacement is needed.
5. You’ve Been Told It’s Affecting Your Insurance
Some insurance providers are now questioning the fire safety and inspection limitations caused by spray foam insulation. If your insurer has flagged spray foam as a concern, this may affect your level of cover or even result in refusal to renew your policy.
If you’ve been advised by an insurer or surveyor to have the foam removed, don’t delay. Prompt removal can protect both your home and your financial position.
6. The Roof Space Feels Too Humid or Stuffy
Spray foam insulation can severely restrict airflow within a roof space. If your loft feels overly warm, humid, or has little air circulation, it could be a sign that condensation is building up behind the foam layer.
Prolonged humidity in the roof can lead to a range of problems—from mould growth to weakened roofing timbers.
7. You’re Planning Renovations or Roof Repairs
If you’re thinking about having new roofing work carried out—whether it’s retiling, structural upgrades, or a loft conversion—spray foam can get in the way. It restricts access to the rafters and underlay and can cause delays or increased labour costs for contractors.
Removing the foam first ensures your renovation can proceed smoothly and safely.
Conclusion
While spray foam insulation may have been installed with the best intentions, it often leads to hidden issues that only become apparent over time. From mortgage complications to structural concerns, knowing when to act can save you thousands in the long run.
If you’re experiencing any of the signs above, contact Lincolnshire Spray Foam Removal today. Our experienced team provides professional, careful removal services across Lincolnshire, helping restore the integrity and marketability of your property. Let us help you move forward with confidence.
Call us on: 01522 302 598
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