Spray Foam Insulation Surveys

ASL Chartered Surveyors & Valuers

Spray Foam Insulation Surveys

RICS Accredited Assessments for Spray Foam Issues

If your property has spray foam insulation, you may already have been warned by a lender, buyer, surveyor, or estate agent that it needs to be assessed. Spray foam can raise concerns around hidden defects, ventilation, roof condition, and most commonly mortgage approval.

We carry out RICS-compliant Spray Foam Insulation Surveys that provide clear, professional guidance on the condition of the insulation, the underlying structure, and how it may affect your property’s value, sale, or remortgage.

We regularly help homeowners across Liverpool, Wirral, Chester and the wider North West understand the risks, gather the right documentation, and take the next steps with confidence.

What Our Spray Foam Insulation Survey Includes

Spray foam insulation bonds directly to the roof structure, which can create several issues that a standard survey cannot properly assess. These issues are why now many lenders now require a RICS Spray Foam Insulation Survey before progressing a sale or re-mortgage.

Our surveys give you, your lender, or the buyer, complete clarity on the condition of your insulation and the structure beneath.

Full inspection of the spray foam installation: identifying if it is open-cell or closed-cell, how it was applied, whether it meets accepted standards.
Assessment of roof timbers, rafters and fixings: checking for signs of structural movement, decay, fungal growth or moisture problems.
Ventilation and moisture evaluation: reviewing airflow pathways, condensation risks and any evidence of trapped moisture.
Inspection of roof coverings & accessible areas: ensuring the roof fabric isn’t compromised or concealing defects behind the insulation.
Review of documentation: including installation certificates, product details, warranties and any ventilation or risk assessments.
Assessment of mortgage or valuation implications: highlighting any issues likely to affect mortgage approval, saleability or future value.

Does Spray Foam Insulation Affect Mortgage Approval?

In many cases, yes.

Spray foam insulation can affect whether a lender will offer a mortgage.

That’s why so many homeowners only discover the issue when a sale or remortgage is already underway. Most lenders now require a specialist spray foam insulation survey before they will make a decision, with some pausing, reducing, or even declining an application until the insulation has been assessed, or even removed.

Our Spray Foam Surveys give clarity

A clear, independent assessment supports mortgage applications, and helps avoid sudden renegotiations or collapsed sales.

How Spray Foam Insulation Can Cause Issues For Your Roof

Spray foam insulation may look clean and modern, but it behaves very differently from traditional loft insulation, which is why it raises more questions during surveys, valuations and mortgage checks.

A specialist survey is the only way to determine whether the installation is safe, suitable, and acceptable for lenders.

It can trap moisture with poor ventilation beneath the foam sometimes leading to condensation buildup and hidden timber decay.
Accelerated rot and structural damage even with small leaks creating significant deterioration when moisture is trapped behind the foam.
It changes how the roof is designed to function. Many older roofs were never intended to operate as “warm roofs”, which can cause ongoing ventilation and moisture imbalance.
It bonds directly to roof timbers which hides the rafters and joints, making it difficult to assess their condition during a standard survey.
It can raise red flags for lenders and insurers because of the potential risks and inspection difficulties, many lenders request specialist assessments before making a decision.

ASL RICS Chartered Surveyors

Spray Foam Surveys in Liverpool, Wirral & Chester

Spray foam insulation issues are becoming increasingly common across the North West, which is why we’re regularly instructed to assess properties throughout Liverpool, Wirral, Chester, and the surrounding areas.

If your property has spray foam insulation, or a lender, buyer, or surveyor has raised concerns, our RICS-qualified team at ASL can provide the clarity you need.

We offer fast appointments, clear reporting, and independent advice trusted across Liverpool, Wirral and Chester.

Why Choose ASL Chartered Surveyors and Valuers?

Expertise & RICS Certification

Our accreditation, extensive experience, in-depth knowledge of the commercial property market, ensures you receive the highest service with every valuation.

Comprehensive & Transparent Reports

We deliver clear and concise reports providing a complete picture of your commercial property’s condition, value, or life cycle cost analysis.

Accurate & Reliable

ASL deliver comprehensive and precise valuations backed by thorough research and commercial market analysis.

Client-Centric Approach

Your satisfaction is our priority, and we are dedicated to tailoring our valuations to your unique requirements, and answering any questions throughout the valuation process.

Hear From Our Customers

Thanks to Malcolm Ashall who recently completed the our survey. The report was well written, detailed, easy to understand and structured in way that I can easily relay the questions and concerns to my solicitor.

I got ASL to provide a valuation on a property I was purchasing and following their advice I was made aware of a number of repairs which resulted in a lower valuation than the agreed purchase price. I was able to negotiate a new purchase price saving £12,000. The service was quick, efficient and friendly.

Cannot fault the service received from Nick at ASL Surveyors. He ensured that the whole process was quick, efficient and stress free. I had my report back within a few days so I honestly couldn’t recommend him and this company enough. Thank you!!

I used ASL for my recent home purchase. Complete transparency and efficient communication was achieved throughout. I received my full report in a timely fashion and couldn’t recommend the company more to anyone looking to use their services.

We recently agreed a private sale on a bungalow in Gateacre, as there was no agent involved, we were advised to at least get a Home Survey. Gabriella arranged this quickly and we received the report a couple of days after the survey was done. It was really detailed but explained perfectly and the scoring system allowed us to understand it better. We had a couple of questions which James answered on a phone call a few days after. Excellent service throughout, thanks to all involved.

As a firm we highly recommend ASL Chartered Surveyors, rely on their service and we will continue to do so in the future. We have used ASL Chartered Surveyors for our housing disrepair clientele and they always deliver in accordance with the protocol. We are confident in the service ASL Chartered Surveyors provides, and we have always found them to be reliable, approachable and professional – they never hesitate to assist us and indeed our clients with any queries we may have collectively throughout the process.

I can’t fault the service we received and have had a really positive experience with the company. The guys carried out an extensive search on our property and provided a thorough report. On moving in we noticed a couple of issues that we wanted some more information on and contacted them to advise. Mal and Danny came straight out to do another check and were extremely friendly and helpful and gave us some useful tips on how to solve the issues. The service has been very professional and they are clearly a very reputable company to make a second visit and reassure us.

Contact Us

Call, email or fill out form to learn more about our services or to request a quote.

Client Support

Our surveyors are here to answer your questions and guide you through the process with clear, practical advice.

Request a Quote

Provide your property details and the service you need, and we’ll send you a clear, fixed-fee quote with no hidden costs.

Spray Foam Insulation Surveys

ASL Chartered Surveyors & Valuers