Does Spray Foam Insulation Affect Home Insurance?

Spray foam insulation is already well-known for causing problems with mortgages and valuations — but it can also affect another crucial part of homeownership: your insurance.

If you’re wondering whether having spray foam in your loft could affect your ability to get insured (or claim on your insurance), you’re not being paranoid. It’s a valid concern, and one that’s becoming more relevant in the UK.

Let’s break down what insurance companies actually care about, and how spray foam could come into play.

Do Insurers Ask About Spray Foam?

Not always — but many are starting to.

As awareness grows around the risks associated with spray foam (particularly closed-cell foam in lofts), more insurers are asking homeowners:

• Whether it’s present
• When it was installed
• Whether there’s a guarantee or certification

Some policies now include small-print exclusions for damage caused by non-breathable or non-standard insulation systems.

Why Do Insurers Care?

In short, it’s about liability.

Spray foam can:

• Conceal damage to the roof or timbers
• Trap condensation, leading to rot or mould
• Void guarantees on the roof if not properly installed

If you make a claim for structural damage or damp, and the loss adjuster finds spray foam contributed to the issue — your payout may be reduced or denied.

And if the spray foam was installed without clear documentation or Building Control approval, that adds another layer of risk for the insurer.

Real-World Scenarios to Watch Out For

We’ve heard from homeowners who:

• Were refused cover after declaring spray foam
• Had claims challenged due to the insulation blocking inspection
• Found their premium increased after disclosing it
• Had to remove the foam to get new cover after switching insurers

It doesn’t happen in every case — but it’s happening more often.

What Can You Do About It?

If you already have spray foam in your loft:

• Check your policy wording
• Declare it when applying or renewing
• Ask if your cover will be affected if a future claim relates to the roof or insulation

If you’re unsure or want to future-proof your home, the safest option is removal.

At Snug & Secure, we specialise in safely removing spray foam insulation and replacing it with modern, breathable material that’s fully compliant with UK standards — and won’t trigger insurance or mortgage concerns.

Final Thoughts

While not every insurer has strict rules on spray foam, it’s becoming more common for it to affect:

• Claims
• Premiums
• Policy renewals

The best way to avoid problems is to deal with it proactively, before a claim or renewal catches you off guard.

Need help? Contact us for a no-pressure assessment, or browse more guides like this on our blog.