Legal property experts have warned homeowners to not install foam spray loft insulation.

Property experts at Worcestershire law firm mfg Solicitors have raised alarm following an increase in cases of lenders refusing mortgages and homes that are potentially uninsurable because of the spray foam insulation.

The insulation is a chemical product, which once applied using powered sprays expands into a solid coating to insulate spaces such as roofs, lofts, walls, and floors.

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Beverley Clinton, a legal assistant at mfg Solicitors, detailed the two types of spray foam loft insulation – open-cell and close-cell.

The open-cell allows moisture to escape, while the close-cell reduces air circulation.

In roofs and lofts, the close-cell insulation can gradually trap moisture around wooden joints, leading to rot.

The hardened foam might warp wooden beams, create mould, and release toxic vapours.

Ms Clinton said: "This type of insulation is very difficult to remove and so many mortgage providers and equity release companies refuse to lend on homes that contain it, even if it has been installed by a reputable firm.

"Surveyors are also becoming more vigilant with this type of insulation and insurance companies can refuse to insure properties that have it."

A recent case involved a couple from Stoke-on-Trent who lost nearly £11,000 in a spray foam insulation scam that rendered their house unsellable.

Fiona and Andre Barton, both 60, had spray foam loft installation done in their home based on a cold call in December 2022.

Half a year later, they were forced to pay for its removal, costing them £5,490.

Ms Clinton added: "Obviously due to cold weather and people trying to keep their homes warm to cut down heating bills, spray foam loft insulation is something people might well consider.

"However, we have seen an increase in property sales falling through because of spray foam insulation and although it has been on a list of approved government measures for a number of years, the public should be aware of its long-term effect on their property and should be looking for an alternative."