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Spray foam removal is not just a choice. For homeowners seeking to remortgage or sell their property, spray foam insulation in the loft has become a significant obstacle. UK mortgage lenders now refuse to approve any loans for properties with this insulation type due to the associated risks and require you to get spray foam removal. At Ripout Repair, we are trusted experts in spray foam removal, helping you make your property safe, mortgageable, and future-proof. With over 1,000 successful spray foam removal projects working with estate agents and banking societies, our experience has shown that mortgage companies consistently decline properties with spray foam insulation. According to industry data, 72% of UK mortgage lenders are likely to reject applications for homes with spray foam in loft spaces. Additionally, a recent survey revealed that 9 out of 10 homeowners are unaware of how spray foam insulation can impact their ability to remortgage or sell and why they need spray foam removal service.
Spray foam insulation will cause significant problems, particularly in roof structures. It creates an impenetrable barrier that traps moisture, leading to wood rot and weakening structural integrity over time. This trapped moisture fosters mould and mildew growth, which can harm indoor air quality and pose health risks. Additionally, poorly installed spray foam may emit harmful chemicals, affecting the air you breathe. Over time, improper installation or the physical deterioration of the foam can compromise its insulation properties, resulting in costly repairs, this why spray foam removal is necessary and why mortgage lenders are staying away!
Imagine spray foam as a sealed plastic bag wrapped tightly around your roof timbers. While it provides an airtight barrier, it also traps moisture, much like wet clothes left in a sealed plastic bag. This creates the perfect environment for rot, decay, and structural damage.
Mortgage Challenges Due to uncertainties about spray foam’s long-term effects and the challenges of spray foam removal, mortgage lenders are increasingly cautious, which impacts your property’s value, saleability, and financing potential. Spray foam’s strong adhesion makes removal complex and labour-intensive. Open-cell foam, being softer, is relatively easier to remove than closed-cell foam, which is denser and tightly bonded to surfaces. In most cases, closed-cell removal involves a complete re-roofing, while open-cell removal requires delicate work, highlighting the importance of professional expertise. Read Our Blog "Can We Get A Mortgage With Spray Foam?"
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