Spray Foam Insulation
The UK Government’s Green Homes Grant was introduced in 2020 to improve energy efficiency in homes by subsidising insulation, double glazing, and renewable heating. While well-intentioned, one insulation material widely promoted under the scheme — spray foam — has left thousands of homeowners facing unintended consequences.
How Spray Foam Was Promoted
Under the grant, installers pushed both open cell and closed cell spray foam as “cutting-edge insulation.” Homeowners were told it would:
Reduce heat loss dramatically.
Cut energy bills.
Improve the EPC rating of their property.
Unfortunately, many homeowners are now facing the downsides that were rarely mentioned at the time.
The Problems Created by Green Homes Grant Spray Foam Insulation
Mortgage and Resale Barriers
Most UK mortgage lenders now refuse properties with spray foam loft insulation. Homeowners are discovering that they cannot sell, remortgage, or release equity unless the foam is removed.Moisture Trapping & Timber Rot
Spray foam creates a rigid seal that blocks natural airflow in lofts. This traps moisture against roof timbers, leading to hidden rot and decay.Surveyor Red Flags
RICS surveyors consistently mark down properties with spray foam, citing lack of ventilation, risk of condensation, and reduced roof lifespan.Poor Installation Practices
Many installs under the grant were rushed to meet deadlines. Loft ventilation pathways were sealed, membranes compromised, and no long-term care advice was provided.Unforeseen Costs of Removal
Now, homeowners must pay thousands of pounds for spray foam insulation removal to make their homes mortgage-ready again. Removal costs:
Open cell: £50–£60 per sqm.
Closed cell: £75–£90 per sqm.
How to Fix the Problem
Get a Professional Survey: A certified spray foam removal company will inspect your loft, identify the foam type, and provide a quotation.
Safe Manual Removal: Avoid rogue traders offering re-roofing or dry ice blasting. Safe, manual removal is the only lender-approved method.
Obtain a Spray Foam Removal Certificate: This document proves to lenders and insurers that the insulation has been fully and safely removed, ventilation restored, and timbers inspected.
