Home Insurance and Spray Foam Insulation: Why Cover Is Refused Until Removal
Spray foam insulation is now one of the biggest threats to homeowners in the UK, not just for mortgages and equity release, but also for home insurance. Increasingly, insurers are rejecting applications, refusing renewals, or even voiding claims when they discover spray foam insulation in the roof.
The message from insurers is simple: home insurance and spray foam insulation do not mix. If your home has it, cover is at risk until you arrange professional spray foam insulation removal.
Why Insurers Refuse Spray Foam-Insulated Homes
Structural Uncertainty
Spray foam bonds directly to roof timbers, creating a seal that makes inspection impossible. Insurers see this as a red flag because they cannot verify whether the timbers are sound or if hidden damage exists.
Moisture and Rot Risks
Spray foam can trap moisture against the wood. Over time, this may lead to rot, mould, and structural decay. From an insurer’s perspective, this dramatically increases the likelihood of claims — claims they don’t want to pay.
Claims Invalidated
Some homeowners have discovered the hard way that existing claims were denied once insurers learned of spray foam. Even if the claim was unrelated to the loft, insurers argued that spray foam created undisclosed risk, leaving the homeowner without cover.
Real Homeowner Stories
One UK homeowner renewed their policy as usual, but during a routine inspection, the insurer spotted spray foam loft insulation. The policy was cancelled, leaving the property uninsured.
Another family discovered water damage in their roof, only to have the claim rejected because the spray foam made it impossible for the insurer to determine when or how the damage occurred.
These cases are becoming more common. Without removal of spray foam insulation, insurance cover is either reduced, refused, or revoked.
The Insurance Industry’s Stance on Spray Foam
Just like mortgage lenders, insurers across the UK take a universal position on spray foam insulation: it represents an unacceptable risk. It doesn’t matter whether you have open-cell or closed-cell spray foam — both types trigger refusal.
No matter how it was installed or whether you hold a spray foam installation certificate, insurers are not willing to accept the risk. The only documentation that makes a difference is a spray foam removal certificate, proving that the insulation has been removed professionally.
Spray Foam Removal: The Only Way to Secure Home Insurance
Why Professional Removal Matters
DIY removal isn’t enough. Insurers require proof that spray foam has been fully and safely removed. Professional spray foam removal companies UK homeowners rely on use specialist spray foam removal machines and tools to clear the loft, expose the timbers, and verify the structure.
The Role of a Removal Certificate
After the job is done, you’ll receive a spray foam removal certificate. This is the critical piece of evidence insurers want to see. It shows the loft is clear, the timbers are visible, and the roof structure can be assessed properly. Without this, insurers will not reinstate cover.
Will insurers cover me if I already have spray foam insulation?
Do installation certificates help with insurance?
Can I shop around for insurers that accept spray foam?
Conclusion: Protect Your Home with Spray Foam Removal
Spray foam insulation doesn’t just block mortgages and equity release — it threatens your ability to keep your home insured. Insurers are refusing cover, rejecting claims, and cancelling policies.
The solution is clear: arrange professional spray foam removal and secure a spray foam removal certificate. With documented proof of removal, you can protect your property, restore full insurance cover, and safeguard your home’s value for the future.
👉 Contact our team today for a free spray foam insulation removal cost quote and take the first step towards insuring your home with confidence.
