Mortgage refusal due to spray foam
Why it happens here
Lenders treat spray foam as a risk because they cannot inspect the roof timbers underneath it. In St Georges, where a lot of the foam is closed cell and bonded hard to the rafters, surveyors simply cannot confirm the roof is sound, so the valuation gets flagged.
Our approach
We remove the foam, inspect the timbers, document everything with photographs and issue a removal report that lenders and solicitors accept. We have done this enough times in St Georges to know exactly what the paperwork needs to say.