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Spray Foam Insulation is Damagingyour Home/Heath & Stopping you from Remortgaging/ Equity Release.
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What is Spray Foam Insulation?
When Roof Insulation Goes Bad
The main concern that people have when it comes to insulating the roof or loft room is condensation. This is more likely to happen if the insulation is applied to the floor of the loft (the most common location of mineral wool insulation).
The reason is that the insulative barrier is between the main rooms of the house and the cold space of the loft. This means that there is a huge imbalance between the two spaces, causing the build-up of moisture when the cold air meets the warm air.
Poor Ventilation Equals Condensation
When using spray foam insulation, you can achieve an entirely waterproof and airtight solution, but this can mean that warm air can become trapped in the space.
For this reason, it is important to have ventilation in your loft such as a window, Velux or just vents. You can also choose spray foam that is more breathable, such as the open celled variety, as this will allow the warm air to escape.
You can also prevent humidity in the rest of your home by taking advantage of window openings, trickle vents and air bricks.
Spray foam will usually last in excess of thirty years; therefore, any foam that starts to fail before this is likely to have resulting from an incorrect mix of materials
IncorrectApplication: 3 Problems It Presents
Rotting Of Roof Timbers: When Saturation Sets In
This can happen when the roof becomes damaged on the outside, and water gets into the space between the spray foam and the underside of the slates. This can cause condensation due to the temperature difference between in this space compared to the rest of loft.
This condensation can saturate the wood trusses and rafters, leading to rotting wood.
The best way to combat this rare issue is to ensure your roof is always in good repair and to choose a spray foam product that is breathable. Ventilation in the roof will also help prevent this issue.
This issue of interstitial condensation has been researched by the Glasgow Caledonian University and it was found that while condensation can be present in an insulated roof, it doesn’t usually lead to wood damage.
This was mostly because the problem only occurs during colder months, as well as when it rains; however, it is not always present.
Unable To Repair The Roof: Why D.I.Y Attempts Are Best Avoided
Another concern is that if spray foam is applied to the underside of the roof slates, it can mean that it is impossible to remove individual slates, and subsequently repair or replace them.
This can be alleviated by spraying onto boards, or another barrier material. Most roofs are constructed with the tiles over a wooden board, so it is rare to apply spray foam to the underside of the tiles directly.
Why Mortgage Lenders Avoid Spray Foam Insulation?
This condensation can saturate the wood trusses and rafters, leading to rotting wood and vulnerability in your roof which would lead to collapse if untreated.
Will any lenders accept a property with spray foam insulation?
You’ll find that equity release lenders will no longer consider lending on properties with spray foam insulation. That said, a few mortgage lenders may be willing to lend on properties with SPF.
However, these lenders will stipulate that a Valuer’s approval is given before they agree to lend any money. In short, a detailed report is needed to provide information on the material used. Moreover, as the person seeking to borrow money to buy or remortgage a property, you’d have to foot the Valuer’s bill.You may find a mortgage company interested in lending on properties with spray foam removal. But you’ll not get as good a deal as you would with building societies and other mortgage lenders.