Spray Foam Roof Insulation Mortgage

It s an unfortunate fact.

Spray foam roof insulation mortgage. What is spray foam roof insulation. Spray foam roof insulation is multi purpose insulation that fills the spaces between roof rafters joists and rim joists. Spray foam insulation and what do surveyors think 1stassociated can provide help and advice with regard to structural defects reports for things like problems with your roof insulation window problems dampness lateral dampness condensation cracking movement. The problem in this case being that the lender that we undertook the inspection for refuses to accept homes with spray foam insulation as a suitable security for a mortgage or lending.

Spray foam insulation costs and savings. Heat energy is continually. It forms an insulating air barrier between your loft and the outside world protecting you and your home against the three deadly c s. Unlike solid insulation products that require careful measurement cutting and fitting spray foam can cover even the most uneven surface instantly.

Spray foam insulation is not provided free by energy companies. There are two main types of spray foam insulation. Convection conduction and condensation. We are also finding that other lenders are following suit and are reluctant to lend on a property that has this type of insulation installed to the roof.

The lenders i think are concerned as you can t check the condition of the timbers and condition of roofing felt. Polyurethane or polystyrene spray foams can provide thorough coverage to roof rafters and attic walls in much less time than is needed for other materials. Some energy firms offer this to customers eligible under the eco scheme for example if you re on government benefits or your home is among those which. If your loft or walls aren t insulated it s worth checking whether you can get free insulation from your energy supplier first.

This becoming a common problem i am aware several of the big mortgage lenders our now instructing surveyors to check the roof space for spray foam insulation. It was instead used to bond and protect ageing roofs where there was no roofing membrane under the tile. Spray foam the myth that it rots your rafters spray foam insulation was first introduced in the late 1980 s when spray foam insulation was first introduced into the uk it s insulating properties were not considered. Spray foam can be used in many applications around the home but is most commonly used as an insulation product either on the rafters of your roof or inside your interior and exterior walls.