Guides
Independent, plain-English guides to spray foam, lofts and the problems they cause — written by Jan, SprayFoamCheck's named assessor.
Spray Foam and Mortgages in the UK — What's Actually Going On
Spray foam on a UK loft has become one of the most common reasons mortgage applications stall. The position is not the same with every lender, and the path forward depends on what type of foam, what condition it is in, and what documentation exists. This guide explains what is actually happening at lender level — and the practical steps to get a transaction moving.
Read guideSection 75 and FOS Claims for Mis-Sold Spray Foam — How the Evidence Works
If spray foam was financed on a credit agreement — finance plan, credit card, or a loan arranged at the point of sale — the homeowner usually has rights under Section 75 of the Consumer Credit Act 1974, and a route to the Financial Ombudsman Service. The hardest part of the process is rarely the legal position. It is producing the evidence.
Read guideSpray Foam Installer Has Ceased Trading — What Are My Options?
A high number of UK spray foam installers — particularly those operating under ECO4 and GBIS — have ceased trading in the last few years. For the homeowner left with a problem, the first reaction is often to assume there is no route forward. There usually is. It just depends on how the install was paid for and what guarantees were issued at the time.
Read guideMultifoil Insulation — BBA Certificate Compliance Explained
Multifoil and foil-faced insulation (SuperFOIL, YBS SuperQuilt, Actis and similar) is a useful product when installed correctly. Installed incorrectly, it does not perform as claimed and the warranty is generally invalidated. The difference between a compliant install and a non-compliant one is almost entirely about installation detail, and that detail is set out in the product's own BBA certificate.
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