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 guideFoil and Multifoil Insulation Problems — Certificate Conditions Explained
Foil and multifoil insulation goes by many names — multifoil, SuperQuilt, space blanket, thermal wrap, silver foil, bubble foil and foil-faced insulation. Installed as the manufacturer specifies, it can perform well. Where the air gap, its ventilation or the vapour control layer position is not as specified, the published figures no longer describe that roof. In the lofts I have inspected, foil insulation problems come down to installation detail, and that detail is set out in the product's own certificate conditions.
Read guideHow Do I Know If I Have Spray Foam Insulation?
Go into the loft and look at the underside of the roof between the rafters. Spray foam appears as a solid sprayed-on layer bonded to the roof, not loose rolls laid on the floor. This guide covers where to look, what it looks like, and what to do if the roof structure isn't visible.
Read guideCan You Sell a House With Spray Foam Insulation?
Houses with spray foam are sold every week. The question is on what terms. This guide covers what happens during a sale when foam is found, disclosure on the property information form, and why finding out before marketing beats finding out mid-chain.
Read guideShould I Remove Spray Foam Insulation?
Removal is not automatic. The answer depends on foam type, application quality, the roof it was sprayed onto, ventilation and current moisture readings. This guide sets out when retention is reasonable, when removal is clearly indicated, and why most free surveys come from companies that sell removal.
Read guideWhy Is Spray Foam Insulation a Problem?
Spray foam becomes a problem when it interferes with how a roof handles moisture. This guide explains the four mechanisms behind the concerns, why foam is a poor answer to condensation, and the circumstances in which an installation is performing perfectly acceptably.
Read guideShould I Buy a House With Spray Foam Insulation?
Spray foam is not automatically a reason to withdraw, but it is a reason to find out more before exchange. This guide covers what a homebuyer survey does and does not establish, the questions to ask the seller and agent, and why walking away is a legitimate outcome.
Read guideIs There Such a Thing as a Spray Foam Removal Certificate?
No official or industry-standard document of that name exists in the UK. This guide explains why people expect one, what a removal contractor's own paperwork can and cannot establish, and what an independent written verification report on the roof after removal actually contains.
Read guideIs there a spray foam certification that satisfies mortgage lenders?
Partly. There is a genuine inspection protocol — the Property Care Association's Sprayed Foam Inspection Protocol, developed with lenders in 2023, with a register of surveyors trained under it. Some lenders will consider a case where a registered surveyor has inspected under that protocol. There are also privately created certificates marketed as official standards which are nothing of the kind. And no document of any sort guarantees a lending decision — lenders decide against their own criteria, and the PCA itself says lenders remain reluctant even where the paperwork is in order. This guide explains what is real, what is marketing, and how to tell the difference before you pay for anything.
Read guideThe PCA is now setting standards for spray foam removal. What that means if you've been quoted.
The Property Care Association — the body whose inspection protocol lenders already reference — announced on 25 August 2026 that it is creating a membership category for spray foam removal contractors, and held a first meeting of removal contractors and interested parties on 2 September 2026 to discuss how it would work. The PCA says it is "looking to establish a dedicated membership sector for spray foam removal contractors, bringing reputable businesses together and setting clear expectations around technical competence, working practices and consumer care." For a homeowner holding a removal quote, the message is simple: the industry's own standards body has decided removal quality needs a standard. Until that standard exists and a contractor is on it, the sensible first step is unchanged — find out what is actually in the roof, from someone with no financial interest in removing it.
Read guideGoogle Reviews
What our clients say
Tunde Adeolu Adewole
August 2026
Why are all our reviews on Google?
Simple: Google reviews are the one thing we can't control. We can't edit them, hide them, or choose which ones you see. Every review comes from a verified Google account and is published unedited, in public, where anyone can read it.
We built SprayFoamCheck on independence — no removal arm, no referral fees — so our reviews sit on the one platform where we have no say over what's shown. If a review site let us filter or curate, it wouldn't prove anything.
Still on the fence? Don't take this page's word for it. Read what other homeowners wrote, straight from the source — then decide.