Spray foam holding up your sale or remortgage?

SELLING · BUYING · REMORTGAGING A survey comment, a lender’s request or a worrying news report can leave you unsure what to do. Start by establishing what your property needs. EvoHome helps you understand the concern, plan any necessary removal and arrange the independent evidence afterwards. Start with a conversation.

Photographs and reports are optional. Clear written quotation Experienced contractors Independent final survey Roof timbers and underlay exposed after removal on an EvoHome project. Find out what has actually been asked for. A concern about spray foam can mean different things: a roof defect, difficulty inspecting covered timbers, or a lender’s policy about the installation.

Each calls for a considered response. Ask your lender or broker for the exact requirements in writing. A television programme or a contractor’s warning does not establish what your own lender will accept. If you have a survey comment, we can help you understand the work it may call for. Roof condition What defect or concern has been identified?

Inspection access Which parts of the roof cannot be assessed? Required evidence What report or further work has the lender requested? Foam covering a roof slope before removal. The materials beneath it cannot be fully seen. Take time to get the facts before agreeing to removal. Help for the stage you are at. Selling Bring together the buyer’s survey comments and any installation records.

Establish what needs resolving and agree who will arrange the assessment, work and documents. Remortgaging Check the intended lender’s requirements with your broker. An existing mortgage does not confirm what a new application will require. Buying Discuss the survey findings with your surveyor, solicitor and lender.

Clarify any investigations and responsibilities before making commitments. A practical route from concern to completion. Read the request Tell us what has happened and any date you are working towards. We review the information available and identify what needs clarifying. Check the roof We consider the foam, roof construction and access.

Further independent advice is arranged where appropriate. Selected areas are opened and checked before full removal proceeds. Agree the work Your written quotation sets out the removal method, agreed repairs, waste clearance, suitable replacement insulation and independent final survey. Any additional work is discussed before proceeding.

Record the result The removal contractor photographs the work and findings. An independent professional carries out the final survey, with relevant inspection access preserved before areas are covered. See our removal process Compare what the whole job includes. A removal price is only useful when the scope is clear.

Ask what happens to the roof, the waste and the insulation afterwards, and who provides the final inspection. Protection and access Foam removal and checks Agreed roof or underlay repairs Waste clearance and tidying Suitable replacement insulation Independent final survey and report Where sufficient accurate information is available, we can provide a firm remote quotation.

If a price is an estimate or further assessment is needed, we explain that before you decide. Keep clear evidence with your property records. Keep the agreed scope, photographs, recorded repairs and independent survey report together. If further action is recommended, retain the follow-up records too. What was agreed What was uncovered and completed What the independent professional found Any recommendations and follow-up Your lender decides whether the evidence meets its requirements.

Removal and a report cannot guarantee a mortgage or sale. What the independent survey covers Questions about spray foam and your next move Do I always need to remove spray foam to sell or remortgage? No. First establish the installation, roof condition and actual lender or buyer requirements. Further evidence, independent assessment or removal may be appropriate.

We explain the practical options for your property. The news has worried me, but my lender has not said anything. What should I do? Ask your lender or broker about your circumstances before commissioning work. Gather any installation paperwork you already have. You can contact us to discuss the roof and the information that would help assess it.

What if there is a deadline for my sale or mortgage offer? Tell us the date at the start. We will explain what assessment, work and independent inspection may be needed and confirm availability. Your broker or solicitor should advise on the transaction and any extension to deadlines. Does every EvoHome removal include an independent survey?

Yes. An independent professional final survey is included on every EvoHome removal. We establish any written lender requirements early so the appropriate professional and inspection brief can be arranged. Can I get a quotation without uploading photographs? Yes. Give us your contact details and tell us what you need.

Photographs, measurements and reports can be shared later. We confirm whether there is enough information for a firm quotation or whether further assessment is needed. Can you help if I am considering equity release? We can help with the roof assessment, any appropriate removal and the completion evidence. Ask your specialist equity-release adviser for the provider’s written requirements before arranging work.

Let’s work out the right next step. Tell us what has been raised, where the property is and any date you are working towards. We will talk through the practical options and what information would help. We prioritise southern England and welcome enquiries across the UK. Availability is confirmed for your property. Removal and real project photographs Independent survey and report Selling a house with spray foam RICS consumer guide to spray foam insulation