
Chapter one
Does the foam have to come off your roof?
Foam is not automatically a fault, but on a pitched roof it can hide problems that surveyors, lenders and owners cannot see.
Spray foam insulation is a liquid that goes onto the underside of a roof, expands and sets into a rigid layer. It was offered to many homeowners as a fast way to insulate a loft and cut draughts, and in some cases as a way to quieten a roof that leaked. Some years on, plenty of owners are asking us whether it should come out. The answer depends on the roof, the foam and what you plan to do next, and we do not tell everyone to take it off.
At a glance
- RICS says foam can affect a surveyor's opinion of value
- Some lenders refused foamed homes in November 2024
- The Energy Saving Trust sees less risk with open-cell foam
Note The Energy Saving Trust's roof and loft insulation advice, including its warning on foam over leaks, was last updated on 8 May 2026.
Three reasons come up again and again. The first is the lender. Mortgage providers set their own policies on foam, and as of November 2024 some lenders said they would not lend on homes with spray foam, while others looked at each case on its own facts. RICS, the surveyors' professional body, tells owners to check with their mortgage provider whether its policy allows the product at all. The second reason is the surveyor. RICS says the presence of spray foam is a factor that could affect a surveyor's professional opinion of value, which is how foam ends up bearing on your property value on paper. The third is the roof itself. Foam sprayed hard against the timbers covers them, and RICS warns that incorrectly installed insulation can lead to dampness, such as uncontrolled condensation.
1.1 When we recommend leaving it alone
Some foam stays. If the roof is dry, the timbers we can reach look sound and no buyer or lender is asking questions, there may be no work to do. We put that conclusion in writing, because the right recommendation is whichever job is smallest and still solves the problem. Our answer on whether all of the foam has to go shows how we reach that decision, and we never treat removal as a rule that applies to every roof.
1.2 Why people are choosing removal
Where a sale or a remortgage is coming, taking the foam off and showing what lay beneath can end a conversation that would otherwise drag on. Where the foam sits on a roof with a history of leaks, removal lets us see the real condition of the covering. Some owners simply want to repair or replace a roof and cannot do it properly with foam in the way. Others have noticed damp or a musty smell and want to know what is behind it.
What people saySpray foam has to be stripped from every roof it is on.
What is trueRemoval is a decision made roof by roof, after an assessment of the timbers, the covering, the lender's position and your own plans.
Foam is not automatically a fault; removal is a decision, made roof by roof.
1.3 Spray foam jobs from Worthing across West Sussex
We take on foam work in Worthing and in every place within 30 road miles: Lancing, Sompting and Shoreham, Hove and Brighton, Ferring, Littlehampton and Arundel, villages on the Downs, and towns as far as Horsham and Chichester. A roof near the seafront takes driving rain and salt air, which is one reason we want to see the timbers for ourselves rather than assume they are fine.






















