Risks of Spray Foam Insulation and Your Mortgage

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Risks of Spray Foam Insulation and Your Mortgage


Spray foam insulation has gained popularity as an effective solution for improving energy efficiency and thermal insulation. However, it’s important to understand the potential risks associated with using spray foam insulation in your roof. In this article, we will discuss why spray foam insulation in your roof can be detrimental to your property and how it may affect your mortgage.

Moisture Trapping and Roof Damage:

Spray foam insulation creates a tight seal when applied to the roof, which can lead to moisture trapping if not installed correctly or in the presence of existing roof leaks. This trapped moisture can cause significant damage to the roof structure, including rotting of the underlying materials, deterioration of sheathing, and the growth of mold and mildew. These issues not only compromise the structural integrity of the roof but also pose health risks to occupants. Mortgage lenders are increasingly cautious about potential roof damage caused by spray foam insulation as it may affect the property’s value and habitability.

Limited Roof Inspection:

Once spray foam insulation is applied, it becomes challenging to inspect the underlying roof structure. This lack of visibility makes it difficult to identify and address potential issues such as leaks, damaged shingles, or other roofing problems. Without proper inspection, any existing or developing roof issues can go unnoticed, leading to more significant damage over time. Lenders may hesitate to provide mortgages for properties with spray foam insulation due to concerns about the inability to assess the roof’s condition adequately. Therefore the roof usually has to Be replaced or completely stripped back to inspect the damage.

Ventilation and Heat Buildup:

Spray foam insulation restricts the natural ventilation that helps regulate temperatures in the attic space. As a result, heat can build up inside the attic during warmer months, potentially causing excessive strain on the roof materials and increasing the risk of premature deterioration. Inadequate ventilation can also impact the energy efficiency of the property, leading to higher cooling costs. Mortgage lenders consider proper ventilation a crucial factor in ensuring the long-term durability and value of the property.

Fire Safety Concerns:

Spray foam insulation is highly flammable, and in the event of a fire, it can release toxic fumes. While it is usually covered with fire-resistant materials for safety, any gaps or damage to the covering could expose the insulation, increasing the fire risk. Lenders are often cautious about properties with spray foam insulation due to the potential fire hazards associated with this material.

Impact on Insurance Coverage:

Insurance companies may have specific guidelines or restrictions regarding properties with spray foam insulation. Some insurers may require additional fire safety measures, inspections, or higher premiums to mitigate the potential risks. These insurance-related considerations can impact the overall affordability and availability of coverage, potentially affecting the mortgage approval process.


While spray foam insulation offers benefits in terms of energy efficiency, its application in the roof can pose potential risks to your property. Issues such as moisture trapping, limited roof inspection, ventilation concerns, fire safety, and insurance implications should be carefully evaluated before opting for spray foam insulation. Engaging in thorough discussions with experts, including roofers, building inspectors, and mortgage lenders, will help you make an informed decision that aligns with the long-term well-being of your property and meets the requirements set forth by lenders and insurers.


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