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Is Spray Foam a Problem?

Is-spray-foam-a-problem Is Spray Foam a Problem?

Spray foam insulation has been heavily promoted as a modern solution to heat loss, but in reality, it's now causing major headaches for thousands of UK homeowners. Whether you're trying to sell, remortgage, or resolve loft damp issues, spray foam may be at the root of your problems.

At Countrywide Roofing and Insulation, we're seeing more homeowners facing issues due to spray foam than ever before — from structural damage to property devaluation. In this post, we break down why spray foam isn't just an inconvenience — it can be a serious liability.

1. It Traps Moisture and Encourages Rot

Spray foam — especially closed cell — creates an airtight seal in your loft. While this helps retain heat, it also prevents ventilation. If any moisture enters the space, it becomes trapped, soaking into the timber and creating the ideal conditions for:


Even open cell spray foam, which is softer and more breathable, can still absorb and hold onto moisture — with similar results if not monitored properly.

📊 Stat: Nearly 1 in 4 UK homes with spray foam insulation report moisture issues within five years of installation.

2. It Can Make Your Property Unmortgageable

This is one of the most frustrating consequences. Many homeowners don't realise that spray foam can block mortgage applications until it's too late.

Because spray foam is applied directly to roof timbers, surveyors often can't inspect the structure underneath. Mortgage lenders now treat this as a major risk — and in most cases, will refuse to lend unless the insulation is fully removed and the roof checked.

📊 Stat: Over 70% of UK lenders either restrict or reject mortgages on homes with spray foam in the roof.

If you're thinking about selling or releasing equity, spray foam may be standing in your way.

3. It Can Affect Indoor Air Quality

Spray foam is made from chemicals, including isocyanates, which can affect air quality — especially if the foam breaks down or is poorly installed.

Some homeowners report symptoms such as:

  • Persistent headaches
  • Breathing difficulties
  • Skin irritation or allergies

These effects are more likely in homes with poor loft ventilation, particularly when closed cell foam is used and blocks airflow entirely.

4. Spray Foam Removal Isn't Simple — But It's Often Essential

Spray foam bonds tightly to surfaces, especially roof timbers and felt. This makes removal tricky and time-consuming — but for many, it's the only way to resolve issues or satisfy lender requirements.

At Countrywide Roofing and Insulation, we provide expert spray foam removal, including both open cell and closed cell spray foam removal. We use specialised tools and careful techniques to avoid damage and restore your loft to a breathable, compliant state.

Like Painting Over a Damp Wall

Imagine painting over a damp patch in your wall. It might look fine at first — but underneath, the moisture is still there, growing mould and worsening the problem. Spray foam does the same in your roof. It seals in issues, hides damage, and makes it harder to detect problems before they become serious.

5. It's No Longer Seen as a Selling Point

While spray foam used to be considered an energy upgrade, the tide has turned. Estate agents, lenders, and buyers now see it as a red flag — not a feature.

If you're thinking of selling, don't be surprised if:

  • You're advised to remove it first
  • Offers are reduced
  • Buyers walk away altogether


We regularly help homeowners who are stuck in chains due to spray foam complications — and want their lofts put right quickly and professionally.

 FAQs: Common Spray Foam Concerns

Is spray foam insulation banned in the UK?

No, but it's heavily discouraged. Most lenders and surveyors now treat it as high risk. Our Blog Is Spray Foam Loft Insulation Legal?

What's the difference between open and closed cell spray foam?

Open cell is soft and breathable; closed cell is hard and airtight. Both can cause issues, but closed cell is usually harder to remove and more likely to trap moisture. Our Blog - Open-Cell vs. Closed-Cell Spray Foam

Can I sell my house with spray foam insulation?

You might struggle. Most buyers need a mortgage, and many lenders won't approve homes with foam in the roof. Our Blog - Can We Get A Mortgage With Spray Foam?


How do I know if spray foam is causing issues?

Signs include damp smells, condensation, mould patches, or failed mortgage applications. Our Blog - Understanding the Dangers and How Spray Foam Contributes to the Problem

Is spray foam removal expensive?

Costs vary depending on loft size and foam type. We offer free surveys and competitive pricing. Our Blog - The True Cost of Spray Foam Insulation Removal

 Final Thoughts

Spray foam may have seemed like a smart upgrade at the time — but for many homeowners, it's become a costly mistake. From hidden damp and timber rot to mortgage refusals and reduced property value, the risks are simply too high to ignore.

At Countrywide Roofing and Insulation, we help homeowners remove spray foam safely and efficiently. Whether you've got open cell or closed cell insulation, we'll guide you through the process and restore your loft the right way.

Need expert help with spray foam removal?

Contact Countrywide Roofing and Insulation today for a free survey and no-obligation quote.

What Is the Lifespan of Spray Foam?

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Roofing - Insulation - Spray Foam Removal