Does Spray Foam Insulation Affect House Insurance in the UK? (2025 Guide)

Spray foam insulation has become a major talking point in UK property circles—not just among homeowners and mortgage lenders, but insurance providers too. As of 2025, the presence of spray foam in your loft or roof could affect your premiums, coverage, or even future claims. In this guide, we break down what UK homeowners need to know about how spray foam impacts house insurance.

1. Why Insurance Providers Care About Spray Foam Insulation

Insurance companies view spray foam insulation as a potential risk factor—not because it’s inherently dangerous, but because it can hide or contribute to underlying issues.

Common insurer concerns include:

• Hidden roof damage or timber rot
  
  
• Moisture entrapment leading to damp
  
  
• Difficulties in assessing damage post-claim
  
  
• Poor installation and lack of certification
  
  

Because insurers base their decisions on risk, anything that compromises roof visibility or increases the chance of costly claims can trigger scrutiny.

Related: Can Spray Foam Cause Damp or Rot?

2. Do You Have to Tell Your Insurer About Spray Foam?

Yes. In 2025, disclosing spray foam insulation is essential when:

• Taking out a new policy
  
  
• Renewing your existing policy
  
  
• Making a claim
  
  

Failure to disclose could result in your policy being voided or claims rejected. Some insurers may request:

• Certification from a qualified installer
  
  
• A recent roof survey
  
  
• Evidence that the spray foam complies with building regulations
  
  

3. Are Some UK Insurers Rejecting Spray Foam Homes?

Yes. While many mainstream insurers still provide cover, an increasing number are either:

• Refusing new policies for homes with spray foam
  
  
• Adding exclusions (e.g. no cover for roof-related claims)
  
  
• Charging higher premiums due to perceived risk
  
  

This is especially true for closed-cell spray foam, which is denser and more likely to seal ventilation paths.

If you're affected, speak to a specialist broker who understands insulation risks and has access to flexible underwriters.

Related: Can Spray Foam Make a Home Unsellable?

4. Will Spray Foam Complicate Future Insurance Claims?

It might. If your roof is damaged and covered in spray foam, surveyors may struggle to assess the extent of damage. This can:

• Delay claim processing
  
  
• Require more invasive investigations
  
  
• Lead to disputes over pre-existing damage
  
  

Insurers may also send out their own assessors or ask for third-party reports—especially if they suspect poor installation or unapproved materials.

5. Can Removing Spray Foam Improve Your Insurance Options?

In many cases, yes. Removal by a certified specialist followed by a roof inspection can:

• Restore access to more insurance providers
  
  
• Reduce your premiums
  
  
• Strengthen future claims by proving a clear roof structure
  
  

See more: Spray Foam Removal Services

Frequently Asked Questions

Will my insurer cancel my policy if I add spray foam without telling them?
Possibly. Non-disclosure of spray foam can be seen as misrepresentation.

Can I claim for roof leaks if I have spray foam?
Only if the insurer was informed in advance and no exclusions apply.

Does spray foam affect all types of home insurance?
It mainly impacts buildings insurance, but contents coverage may be linked.

Are there spray foam-friendly insurance companies?
Yes—some niche brokers can match you with insurers comfortable with spray foam if properly documented.

Is open-cell spray foam viewed more favourably?
Generally, yes—especially when professionally installed and certified.

Still unsure about spray foam and your insurance risk? Speak to Snug & Secure for expert advice or explore Spray Foam Removal by Area.

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