The Property Care Association (PCA), a national trade body, is establishing a new membership scheme specifically for contractors engaged in the removal of spray foam insulation. This initiative is designed to protect homeowners who have become vulnerable to dishonest traders in an unregulated market.
The PCA has reported instances where households have been charged substantial sums for substandard or unnecessary spray foam removal work. Homeowners who have had spray foam insulation installed are also reportedly being targeted by cold callers urging them to remove it, or by legal firms pursuing mis-selling cases, according to the PCA.
While spray foam insulation can be effective when applied correctly, its removal is complex and costly. A significant issue has emerged where the presence of spray foam can hinder a property's saleability, as prospective buyers may face difficulties securing mortgages.
James Berry, deputy chief executive of the PCA, stated that homeowners have been informed they are on a 'national database' of properties at risk of losing value if the insulation is not removed. He also noted that vulnerable customers, including pensioners, have been deceived by individuals presenting fake identification, some bearing the PCA logo, despite the organization not currently offering spray foam removal services through its members.
The PCA has a history of supporting consumers needing spray foam insulation removal, having developed inspection protocols and consumer guidance. The introduction of the PCA Spray Foam Assessor Register has reportedly improved the consistency of installation assessments and enhanced confidence for homeowners, lenders, and property professionals.
Berry clarified that the new membership scheme for spray foam removers is not intended to regulate the market but rather to establish an independently recognized standard. This benchmark aims to support higher industry standards, assist consumers in making informed decisions, and allow reputable contractors to showcase their commitment to competence and professionalism.
The PCA plans to hold a consultation on the membership proposals, beginning with a stakeholder meeting in September. An estimated 250,000 homes in the UK have had spray foam insulation installed, with a significant portion of these installations occurring under a former government's Green Homes Grant scheme. Before its withdrawal in March 2021, spray foam was an eligible insulation type for grants under the scheme.
Many major mortgage providers now decline applications if spray foam is present in a property's roof. Lenders typically require a valuation, which can range from an in-person inspection to an automated valuation model (AVM). While AVMs might overlook the insulation, a buyer is likely to commission an independent survey, where spray foam is more likely to be detected. Surveyors may highlight potential risks, potentially leading to a lower offer or a buyer withdrawing from the purchase, factoring in the cost of removal.
The location of the spray foam can influence the concern; if installed between rafters, allowing timbers to breathe and leaks to become apparent, it is less problematic than when the roof and timbers are entirely coated. Homeowners with concerns about spray foam insulation can contact the PCA for assistance.