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Spray Foam Insulation in Roofs: Insurance Issues in the UK

Spray foam insulation has become a popular choice in the UK for enhancing energy efficiency, particularly in lofts and roofs. However, this insulating method has drawn criticism and caused complications with home insurance and property valuations. If you’re considering spray foam insulation for your roof—or already have it installed—it’s crucial to understand how it can affect your insurance coverage.

Common Insurance Issues with Spray Foam Insulation in Roofs

Structural Integrity Concerns

Spray foam insulation can pose risks to the structural integrity of roofs, especially when improperly applied. Closed-cell spray foam, in particular, is rigid and can exert pressure on roof timbers, potentially causing warping or damage over time. Insurers may view this as a significant liability.

Difficulties in Assessing Roof Condition

One of the primary concerns for insurers is that spray foam, particularly closed-cell foam, obscures roof timbers. This makes it difficult for surveyors or inspectors to evaluate the condition of the roof. Any hidden damage, such as rot or decay, may go undetected, increasing the risk of future structural issues that insurers would have to cover.

Increased Risk of Moisture and Damp

While spray foam can create an airtight seal, improper installation can trap moisture. Over time, this can lead to condensation, dampness, and mould within the roof structure. Moisture retention can weaken timbers, making the property more susceptible to damage and claims, which insurers might be unwilling to cover.

Challenges with Mortgage Lenders

Many UK mortgage lenders are hesitant to approve loans on properties with spray foam insulation in the roof. They may require costly inspections or even removal of the insulation before approving the mortgage. This hesitance can impact the resale value of the property, indirectly affecting its insurability.
Example: A homeowner in Kent reported difficulties selling their property after a buyer’s mortgage lender refused approval due to spray foam insulation. The buyer requested its removal, which cost thousands of pounds.

Policy Refusals or Premium Increases

Some insurers outright refuse to cover properties with spray foam insulation in the roof, citing the potential risks. Others may increase premiums or impose strict terms, such as requiring regular inspections or proof of professional installation.
Example: A landlord in London faced increased premiums after disclosing spray foam insulation in a rented property. Despite professional installation, the insurer required annual surveys to maintain coverage.

 

What Are Insurers Looking For?

When it comes to spray foam insulation in roofs, UK insurers often have specific requirements to minimise risks:

  • Professional Installation: Insurers prefer installations carried out by certified professionals, such as those accredited by the British Board of Agreement (BBA) or similar organisations.
  • Regular Surveys: Insurers may request regular surveys to ensure the roof remains in good condition.
  • Documentation: Proof of proper installation, product type, and warranties is essential for insurers to assess the risk.
  • Open-Cell vs. Closed-Cell Foam: Open-cell foam is more breathable and poses less risk to roof structures than closed-cell foam, which is more rigid and can trap moisture.

 

 

Key Steps to Avoid Insurance Issues

1. Communicate with Your Insurer

  • Always inform your insurer before installing spray foam insulation.
  • Ensure they understand the type of insulation being used and the professional credentials of the installer.

2. Choose Accredited Installers

  • Opt for installers who provide a warranty and comply with UK building regulations.
  • Check if the installer is a member of a recognised trade body.

3. Retain Full Documentation

  • Keep all installation records, including certificates, product details, and guarantees. These documents may be needed when renewing your insurance or selling the property.

4. Arrange Regular Inspections

  • Schedule periodic inspections to assess the roof’s condition and address any issues early. This can also reassure your insurer.

5. Consider Alternatives

  • If spray foam insulation raises too many concerns, explore other options such as mineral wool, fibreglass, or rigid foam boards, which are less likely to complicate insurance or mortgage approvals.

 

When Spray Foam Causes Problems: What to Do

  • Contact a Specialist Surveyor: A surveyor with experience in spray foam insulation can assess your roof and provide a detailed report to your insurer.
  • Explore Alternative Insurers: Some insurance providers specialise in covering homes with spray foam insulation, though premiums may be higher.
  • Consider Removal: In extreme cases, removing the spray foam may be the only way to secure insurance or sell the property.

 

Conclusion

While spray foam insulation can improve energy efficiency and reduce heating costs, it carries significant risks when used in roofs, particularly concerning insurance. Homeowners in the UK must weigh these risks carefully and take steps to mitigate them, such as hiring reputable installers, retaining documentation, and maintaining regular roof inspections.

By staying informed and proactive, you can enjoy the benefits of spray foam insulation while minimising its impact on your insurance and property value.

05/12/2024

Sources

  1. British Board of Agreement (BBA): Spray Foam Insulation Standards.
  2. Homeowners’ experiences with spray foam insulation and property sales: The Guardian.
  3. Mortgage lender requirements: Which? Guide on Spray Foam Insulation.
  4. Insurer policies on spray foam: MoneySavingExpert Forum.

 

Further Reading

If you own or occupy a warehouse, industrial unit or commercial premises, you may also find these guides useful:

Jon Weller profile picture
Jon Weller
3 years ago
Highly recommend Clarke Williams and especially Scott, who helped me find the best cover for both my construction businesses. Answered all questions promptly and helped explain everything easily. Great Service.
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James
3 years ago
I received very good service from Clarke Williams and would certainly recommend. Graham was extremely thorough and efficient.
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Rachel Gardner-Poole
3 years ago
I found Scott Williams particularly helpful in getting my insurance setup for my new business.
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