How Spray Foam Insulation Could Make You Ineligible for a Mortgage

 

What has been a popular home improvement solution for more than 30 years but could prevent you from re-mortgaging your home or cause a sale to fall through? Spray foam Insulation. UK homeowners are discovering that new mortgages are harder to find than ever right now, so the last thing they need is to have the survey turn up a problem!

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But why wouldn’t they loan money on a home with spray foam insulation?

First and foremost, many of the older formulations of expanding foam insulation have been shown to be fire hazards. However, that is just the beginning.

One of the biggest problems with using spray foam insulation to seal a roof is that it really does too good a job of sealing. There is almost no airflow at all in a spray-foam insulated roof, and the lack of airflow encourages condensation in the winter and rot in the summer. It can get so bad the roof supports themselves can be weakened.

Worse, hard-set types of spray foam roof insulation can put dramatic pressure on the roof timbers as it expands and hardens, distorting them and making the roof more vulnerable to collapse.

Simply put, a spray foam insulated roof could have hidden flaws that require replacement, even if it is relatively new. No wonder so many people are inquiring about the cost of removing roof foam insulation. A relatively low spray foam insulation removal cost is nothing compared to a re-mortgaging or sale falling through!

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Spray foam insulation removal tips

If you are making improvements to a home in order to sell it, avoid spray foam insulation entirely.

If you are preparing a home for sale, or to get it valued for re-mortgaging, cleaning any existing expanding foam insulation away might be the best thing you can do.

Spray foam insulation removal can be tricky, and is best left to the experts. Googling ‘spray foam insulation contractors near me’ will help you find a company like sprayfoamremoval.co.uk. They will know the best way to remove spray foam insulation from your home, and how to keep costs manageable.

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Why Do I Need Spray Foam Insulation Removal?

There once was a time when spray foam was the go-to product of choice for loft insulations.

The reason for this was simple:

It was seen as a quick, efficient, and low-cost way to strengthen the structure of a property.

There was just one problem:

It also proved to be both dangerous and damaging to the very properties it was designed to protect.

Once applied, it can begin to degrade and destroy the timber in your home, causing unseen damage that is hidden by the foam itself.

As if that wasn’t enough, there’s also the worrying fact that spray foam can be highly flammable.

Combine that with mounting evidence of toxic chemicals in some older forms of loft insulation, and what you’re left with is a product that’s potentially harmful to not only your home but also the health of you and your loved ones.

For some people, that’s more than enough to make spray foam removal in Scotland a worthwhile investment.

Most Mortgage Lenders Won’t Approve Applications for Homes With Spray Foam in the Loft

Let’s face it:

Selling a home in today’s housing market can be a challenging headache as it is. Try to sell your home with spray foam insulation in the loft, and you may well find it impossible.

As increasing evidence has come to light about the damaging effects of certain foam insulations, lenders have become increasingly reluctant to give the go-ahead for mortgages with spray foam in the loft.

In other words, no matter how much time, money and effort you’ve put into getting your property ready for market, and no matter how many potential buyers may have been willing to put in an offer, they’re unlikely to get the funding for as long as your loft stays the way it is.

What’s the solution:

Simple:

Fast, effective, and safe spray foam removal carried out by the leading spray foam insulation removal companies in the UK.

Struggling to Release Equity in Your Home Due to Spray Foam Insulation? We Can Help.

If you're planning to apply for an equity release on your home, there's a high probability that your application will be declined if any of the following apply to your property:

●      Spray foam insulation is applied to the underside of the room

●      Single skin brickwork makes up more than 20% of the surface of your external walls

●      Pre-1945 asbestos is present

●      Your home was built with a timber frame between 1920 - 1965

●      Your home is a pre-2000 steel frame or clad property

●      Large concrete panel systems are in place

●      Your home was built or converted within the last 10 years but doesn't have a professional warranty in place.

If any of those ring alarm bells for you, it’s time to talk to us. Over the years, we’ve worked with thousands of homeowners to get their equity release application approved by getting their property up to modern standards.

Why Choose us as Your Insulation Removal Company?

 It’s not only thousands of UK homeowners who trust us for our wealth of loft insulation removal experience.

Along with serving as advisors to major organizations like the Nationwide Building Society, the BBC’s hit show Rip Off Britain also sought out our expertise to highlight the dangers of spray foam insulation and the importance of hiring a specialist to remove it.

After all, though you may be tempted to try and save a few pounds by learning how to remove spray foam insulation yourself, the fact is that the process can be both tricky and time-consuming, not to mention more than a little dangerous.

Our CheckaTrade-approved specialists are on hand to get the job done quickly and efficiently, without compromising on safety or quality service.

When you work with us, we guarantee:

●      A same-day response (or team can even be onsite the same day if needed)

●      Cost-effective pricing

●      The highest levels of customer service

●      Industry-leading professionals who are dedicated to getting that spray foam insulation out of your home as quickly and cleanly as possible. 

Our Process: The Simpler Way to Eliminate Spray Foam Insulation

Whether you have an interested buyer and need that insulation gone ASAP before their mortgage application gets declined, or you need to release equity in a hurry, we understand that there’s really no time to waste.

That’s why, when you contact us, we guarantee to get back to you the very same day with a competitive quote and all the information you need in order for us to get started.

If you’re really up against the clock, we can even be at your property on the same day you call us. Our experts will carry out a full, detailed inspection and advise you of all your options when it comes to the removal of spray foam roof insulation from your home.

From there, we'll work diligently to eliminate every last speck of foam, even if that means we keep going late into the night.

Once that hazardous spray foam has been removed, we not only dispose of it on your behalf in a way that doesn’t harm the environment, but also replace it with an insulation solution that is safer for you and your home, and which does more than enough to satisfy any mortgage lender’s requirements.

Ready to get started? So are we. Call us now on 0800 0487051 or use our online form to get your free, same-day quote.

The Negative Effects Of Spray Foam Insulation On The Resale Value

Spray foam insulation has been found to have a negative effect on the resale value of properties. This is because it has not been determined to be an environmentally friendly material due to its potential for emitting harmful substances into the environment.

Why Does Spray Foam Insulation Affect The Resale Value?

Spray foam insulation is often touted as an energy-saving measure that will also improve the resale value of your home. However, there are a number of reasons why spray foam insulation can actually negatively affect the resale value of your home. 

One reason is that spray foam insulation can be difficult to remove if you ever decide to sell your home. This is because the foam expands and hardens once it's applied, making it difficult to remove without damaging the structure of your home. This means that any potential buyer would likely need to pay to have the insulation removed, which could deter them from buying your home altogether. 

Another reason why spray foam insulation can negatively affect the resale value of your home is that it can lead to mold and mildew growth. This is because the foam traps moisture, which can then lead to mold and mildew growth if not properly ventilated. This can be a major health hazard, and potential buyers may be turned off by homes with mold or mildew growth. 

Lastly, spray foam insulation can be costly to install in the first place. This means that you may not see a return on investment (ROI) when you go to sell your home. In fact, you may even lose money on the sale if you installed spray foam insulation yourself and needed to properly account for all of the costs involved. 

How To Protect Against This Effect

When it comes to home insulation, Spray Foam Removal has become a popular choice in recent years. Finally, it is always a good idea to consult with Spray Foam Removal in Ireland which is familiar with homes that have spray foam insulation. They will be able to provide the best service so that you can easily market the property and for the sure buyer may be interested in it.

By taking these steps, you can help to ensure that the resale value of your home is not affected by the presence of spray foam insulation.

While the initial investment for spray foam insulation may be higher than other types of insulation, the long-term energy savings and increased comfort levels it provides can make it a wise choice for many homeowners. However, when it comes time to sell your home, you may find that buyers are reluctant to pay as much for a property that has been insulated with spray foam.

The main reason for this is that spray foam insulation is not as easily removed as other types of insulation. This means that if a buyer wants to remove the insulation

Because of this, it's important to weigh the pros and cons of spray foam insulation before making a decision about whether or not to use it in your home. If you're planning on staying in your home for many years, the energy savings and increased comfort levels may outweigh any potential negatives when it comes time to sell. 

Conclusion

There are a number of potential negative effects of having spray foam insulation installed in your home, particularly when it comes to the resale value. If you're thinking of selling your home in the future, it's important to be aware of these potential issues so that you can make an informed decision about whether or not to proceed with the installation.