Spray foam is applied directly to the underside of the roof. It expands to form a solid, rigid layer that blocks draughts and traps heat. While it may work in that sense, it often causes bigger problems down the line.
The issue isn't just about insulation — it's about what the foam hides and how it changes the roof's ability to breathe and stay healthy over time.
1. Mortgage Lenders May Walk Away
Most mortgage lenders are extremely cautious when it comes to spray foam in lofts. The reason? Once the foam is in place, it becomes nearly impossible to inspect the condition of the roof underneath.
If there's any rot, damp, or movement in the timbers, it can't be seen or assessed properly. That's a big risk for lenders — and many will simply refuse to lend on homes with this type of insulation.
Some buyers may still be interested, but without mortgage approval, the sale can fall apart before it gets going.
2. Moisture Gets Trapped and That's a Big Problem
In older properties, especially, roofs are designed to breathe. When you cover them with a solid, impermeable material like spray foam, that airflow stops. If any moisture gets in even from a small leak it has nowhere to go.
That trapped moisture can quietly lead to:- Wet rot in the roof timbers
- Fungal growth
- Long term structural weakening
3. Surveyors Will Flag It Straight Away
If you're thinking of selling, a home survey is one of the first steps your buyer will take. But the moment spray foam is spotted in the loft, most RICS-accredited surveyors will raise it as a major concern.
It might result in a down valuation, a request for specialist reports, or a straight recommendation to remove it. Buyers don't like red flags — and many will walk away rather than take the risk.
4. Removal Is Often the Only Option
Unfortunately, there's no easy fix once spray foam is in place. You can't just check under it — you have to remove it entirely to inspect or repair the roof properly.
At Countrywide Insulation, we're experts in spray foam removal. We carefully take the insulation out, protect the roof underneath, and help restore the property to a condition that's acceptable for mortgage lenders.
What the Industry Says
This isn't just a matter of opinion — it's backed up by serious organisations:
The NFRC (National of Roofing Contractors) has issued warnings about spray foam being applied without proper ventilation in loft spaces.
Surveyors across the UK regularly flag it as a material risk in survey reports.
Government guidance also urges caution, especially when altering older homes or those with traditional timber construction.
Thinking of Selling? Act Early
If your loft is insulated with spray foam and you're hoping to sell or remortgage, don't wait for the issue to come up in a buyer's survey. Acting early can save time, stress, and potentially thousands of pounds.
We help homeowners across the UK remove spray foam safely and professionally — getting homes back on the market and sales moving again.
Need Help Removing Spray Foam from Your Loft?
Talk to the team at Countrywide Insulation today on 0808 134 2351 or fill out form below. We'll assess the situation and give you honest, expert advice on your next steps.