Insulation Lenders Guidance

Home Logic & LogicFoam are aware of issues surrounding the sale or re-financing of properties following the installation of spray foam insulation. This has understandably resulted in media coverage on this topic which we appreciate can create concern for our existing and future customers.

Should I be worried about having spray foam installed in my property?

Whilst we are aware that some customers have experienced challenges with some lenders, this is not the case with all lenders provided that the correct installation documentation is in place. 

Is my spray foam insulation up to a standard?

The spray foam insulation sector has been working hard to standardise installation practices and ensure quality through a range of mechanisms including independent testing and certification procedures. Spray foam products are tested to the same standards as other insulation measures and should be installed to the appropriate standards.

I already have spray foam insulation installed. Should I be worried about selling or getting a mortgage in the future?

Firstly, we hope that you are satisfied with your installation and that your home is both warmer and cheaper to run.

If spray foam is already installed in your home and you have any concerns about future sale or re-financing, we recommend that you first check the paperwork which should have been provided with the installation alongside other documents passed on at the point of sale.

If you have relevant paperwork, it should provide you with reliable information on the name of the installation company, the manufacturer and any warranties or guarantees offered. This documentation can be very useful in providing peace of mind and should a problem arise at the point of sale or re-financing to share with surveyors and/or lenders.

I am worried about my installation – what to look out for?

Spray foam is an established product used in the UK for over 30 years and internationally for even longer with few problems.

We recommend periodic visual inspection of any modification applied to your home where this is possible. When checking an insulated loft space, issues to consider include the presence of damp, or any disintegration of either the insulation or roof materials. 

I am still concerned. Who should I speak to?

We recommend in the first instance that you contact Home Logic who undertook the installation. If this is not possible, it is best to seek out a suitably qualified expert specializing in Spray Foam. We strongly advise against taking advice from cold callers. The National Insulation Association offers a postcode location search for reputable installers on its website here: National Insulation Association (NIA) UK (nia-uk.org)

Alternatively, contact us directly at [email protected] 

What documents may I need in future?

Helpful documents to retain may include:

  • Original invoice/Purchase agreement
  • Pre-Installation Suitability Survey
  • Condensation/Hygrothermal Risk Assessment
  • Pre Installation Photos
  • Manufacturer Name
  • Manufacturer Warranty
  • Product Certification (KIWA BDA or BBA)
  • Installer Scheme Certificates
  • Insurance Backed Guarantee

Please note, even if none of these documents are present it does not mean that your installation is faulty, or that you will be unable to sell or re-finance.

What is Home Logic & LogicFoam doing about this, and should I remove the spray foam insulation?

We strongly recommend against removing any well-performing spray foam insulation. Your home should be warmer and cheaper to run when insulated by a professional and this is an attractive feature for most buyers.

We are pleased to announce, as from March 2023 PCA (Property Care Association) & IMA (Insulation Manufacture Association) brought out guidance for surveyors which has provided greater advice for surveyors, valuers and the mortgage industry whilst providing peace of mind to the consumer.

Home Logic have been issuing warranty paperwork as per guidelines since Jan 2023. For earlier installations we can supply on request.

Please see the below links

Please click here for the updated guidance from the PCA (Property Care Association)
Please click here for the updated guidance from the IMA (Insulation Manufacture Association)
Please click here for the updated guidance from the House of Commons regarding Spray Foam Insulation & Mortgages
Please click here for Home Logic's response to the recent Watchdog programme concerning spray foam

Disclaimer

Please be aware that we make no guarantee or representation as to the recognition or acceptance accorded by 3rd parties (for example, mortgage companies, equity release or valuers) to such accreditations or advice.

Important Information

We have been made aware of several companies posing as surveyors cold calling previous spray foam customers. These companies have been using fraudulent accreditations to state that the installs are non-compliant and should be removed. Home Logic, LogicFoam and Icynene do not recommend the removal of correctly installed spray foam insulation.

If you have had spray foam installed and are cold-called by one of these companies, please contact the company who carried out your install in the first instance.

Home Logic, LogicFoam and Icynene are collating a register of these companies to pass to Trading Standards.


Home Logic's response to the recent One Show programme concerning spray foam

Customer Service

Our phone lines are available between 9am - 12pm Monday to Friday

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      Quality is our first concern. That’s why Firestone RubberCover EPDM roofing membranes carry the CE marking, proving that it meets current European requirements in the field of safety, health, environment and consumer protection.

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    Small Residential Flat Roofing applications require a specific roofing installation system. That’s why we use Firestone RubberCover EPDM Roofing.The system is based on high performing EPDM rubber membranes and a limited range of accessories offering a watertight and durable roofing solution.Firestone RubberCover EPDM Roofing System is the ideal solution for small residential flat roofs and other extensions, verandas, dormers, porches, garages, carports, garden sheds, balconies, gutters and trailers.

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    Product Information

    Small Residential Flat Roofing applications require a specific roofing installation system. That’s why we use Firestone RubberCover EPDM Roofing.The system is based on high performing EPDM rubber membranes and a limited range of accessories offering a watertight and durable roofing solution.Firestone RubberCover EPDM Roofing System is the ideal solution for small residential flat roofs and other extensions, verandas, dormers, porches, garages, carports, garden sheds, balconies, gutters and trailers.

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    Quality is our first concern. That’s why Firestone RubberCover EPDM roofing membranes carry the CE marking, proving that it meets current European requirements in the field of safety, health, environment and consumer protection.

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    • Superior durability
    • Seamless sheets in 1 piece
    • Very low life-cycle cost
    • Flame-free and easy installation
    • High flexibility and elongation
    • Environmentally friendly
    • Recovery of rainwater
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    © Home Logic UK Ltd. 2018. All rights reserved. Registered Office: c/o HJS Accountants, Tagus House, 9 Ocean Way, Southampton, Hampshire, United Kingdom, SO14 3TJ | Company Registration No: 09125321 | VAT No: 193899534
    Home Logic ® is a registered trademark of Home Logic UK Ltd (UK00003267772) Home Logic UK Ltd is registered in England and Wales. Home Logic UK Ltd is authorised and regulated by the Financial Conduct Authority FRN 765342. We are a credit broker and not a lender. We have a facility with a panel of lenders and may be paid a commission for introducing you to them. Home Logic is a trading name of Home Logic UK Ltd
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