Home Insurance and Spray Foam Insulation
Why Removal is the Solution
The Insurance Crisis
UK home insurance providers are increasingly refusing to cover properties with spray foam insulation. If you currently have coverage, there's a strong chance it won't be renewed when your policy expires.
Why Insurers Refuse Coverage
Hidden Damage Risk
Spray foam prevents visual inspection of roof timbers. Insurers can't assess the true condition of the property's structure, making it impossible to accurately evaluate risk.
Moisture Trapping & Rot
Improperly installed foam can trap moisture against timber, leading to rot and structural deterioration. By the time damage is discovered, it's often extensive and expensive.
Fire Safety Concerns
Some spray foam products have questionable fire ratings. Insurers worry about increased fire risk and potential liability if foam contributes to fire spread.
Reduced Property Value
Properties with spray foam are worth significantly less due to mortgage restrictions. Insurers know this affects the rebuilding or replacement cost they'd need to pay.
Lack of Installation Standards
No consistent installation standards exist, meaning quality varies wildly. Insurers can't verify whether foam was installed correctly or safely.
What Happens Without Insurance?
- ⚠️Mortgage violation: Most mortgages require buildings insurance. Without it, you breach your mortgage terms.
- ⚠️Personal liability: You're personally liable for all damage, repairs, and third-party claims.
- ⚠️Fire damage: A house fire could cost £200,000-£500,000 to rebuild—you'd pay it all.
- ⚠️Storm damage: Major roof damage could cost £20,000-£50,000+ out of pocket.
- ⚠️Can't sell: No buyer will purchase an uninsurable property.
The Only Real Solution: Removal
While a few specialist insurers may offer limited coverage at high premiums, removal is the only way to restore full insurance eligibility at standard rates.
Keeping Spray Foam
- ❌ Limited or no insurance options
- ❌ High premiums (if available)
- ❌ Limited coverage terms
- ❌ Ongoing risk of cancellation
- ❌ Property remains unsellable
After Removal
- ✅ Full insurance market access
- ✅ Standard premium rates
- ✅ Comprehensive coverage
- ✅ Long-term policy stability
- ✅ Property becomes marketable
Case Study: The £300,000 Risk
David, 52, discovered his buildings insurance wouldn't renew due to spray foam.
He found one specialist insurer willing to cover him for £4,200/year (vs. £850/year previously)—a 400% increase. Coverage excluded roof damage and had a £5,000 excess.
His decision: Pay £9,500 for spray foam removal
Outcome: Secured standard buildings insurance at £920/year with full coverage
Annual saving: £3,280/year | Removal cost recovered in 3 years | Property now protected and sellable
Restore Your Insurance Eligibility
Get free removal quotes and protect your property
Request Free Quotes