If you are selling a property with spray foam insulation, be prepared for some direct questions from your buyer because both buyers and lenders are becoming more concerned about it.
Spray foam installation can cause problems if not properly installed, namely:
If you are buying a property where spray foam insulation has been installed, be aware that it can cause the problems referred to above.
We always advise you take a survey when purchasing or leasing a property. This is a matter upon which a suitably qualified surveyor can inspect and report to you upon. Make sure that they are competent to do this sort of survey and are themselves properly insured.
There should be a valid, current guarantee with a company still in existence, the terms of which are sufficient to give you proper cover for the future.
On no account should you exchange contracts until you have clearance from your lender.
Spray foam insulation was developed and used by the military in the 1940s and applied to airplanes. It was not until the 1970s that it started to be used as foam insulation in properties. Spray foam is a liquid that expands and solidifies.
Spray foam should be installed by a professional. It should not be used in listed buildings or houses with thatched roofs.
If you have any doubts or concerns, please get in touch with our Residential Property team and we will help you through the process. Standard pre-sale enquiries will not usually reveal the existence of spray foam insulation, so it is important to make a detailed inspection and have your survey carried out.
The above is meant to be only advice and is correct as of the time of posting. This article was written by Linda Chew, Associate in the Residential Property team at Pinney Talfourd LLP Solicitors. The contents of this article are for the purposes of general awareness only. They do not purport to constitute legal or professional advice. Specific legal advice should be taken on each individual matter. This article is based on the law as of September 2023.