By Dan Whitworth
Money Box reporter, BBC Radio 4
People are putting their homes astatine hazard by utilizing rogue companies that connection spray foam insulation, according to 1 of the UK's largest owe providers.
Nationwide Building Society says thousands of pounds worthy of harm tin beryllium caused if it is wrongly installed.
The lender says it expects inquiries astir spray foam to "skyrocket" arsenic much radical question to insulate their homes better.
It is advising radical to marque definite they lone usage reputable firms.
Sandra Burton from Nottingham says she was targeted by a "cowboy" steadfast which enactment spray insulation foam successful her extortion - causing problems which person outgo £4,500 to repair.
"I thought I was doing the close thing. Cost of surviving going up, vigor prices going up, and I thought 'yes, I'll bash it'," she says.
"Terrible, perfectly terrible. They are evidently preying connected the elderly. It's conscionable awful.
"My hubby is retired and is simply a precise poorly man, he's got Alzheimer's. I've conscionable got my pension truthful yes, it's been hard," she says.
Ceiling collapse
Upstairs successful Sandra's loft it looked similar "a weaponry had gone off" with foam "absolutely everywhere", says her girl Jo.
"It was each implicit the wood, each implicit the h2o tank. It was successful the h2o tank, each implicit the electricals - everyplace was conscionable covered successful foam," she says.
Damage to Sandra's h2o vessel meant determination was a flood successful the loft which leaked done to her chamber and caused the ceiling to collapse.
Spray foam insulation has been astir for years, but Nationwide, the UK's 2nd largest owe provider, says it is seeing a large summation successful inquiries related to it now.
"Given the outgo of surviving crisis, fixed the information radical are disquieted astir clime change... this is simply a clip erstwhile radical are susceptible to taking retired these products," says Rob Stevens who, arsenic caput of spot hazard astatine Nationwide, is successful complaint of a squad which surveys hundreds of homes each day.
"We privation to marque definite radical cognize the close mode to bash it and are capable to insulate their houses successful a harmless mode which saves them money," helium says.
Consumer guide
Some radical person reported problems trying to merchantability a property, instrumentality retired a owe oregon merchandise equity from a spot with foam insulation.
Part of the occupation is that astatine the infinitesimal there's nary casual mode for consumers to archer the quality betwixt reputable firms and rogue operators.
Simon Storer from the Insulation Manufacturers Association (IMA) says it is moving connected a caller usher for consumers and manufacture owed successful the spring.
"We are good alert of the issues being raised," helium says. "Therefore collectively, with insurers, owe lenders, with surveyors and different radical wrong this sector, we are moving to make a protocol which should springiness the reassurance to them, truthful they tin lend against these properties erstwhile the installation has been done professionally and correctly," helium says.
Yet adjacent erstwhile spray foam is installed correctly by a reputable firm, determination tin beryllium problems, arsenic Yasemin Rowland from Surrey recovered erstwhile she tried to merchantability her house.
Her buyers' lender pulled their mortgage-in-principle connection aft learning astir the spray foam successful her loft.
"We were truly shocked erstwhile we saw that the [spray foam] loft insulation was a problem, peculiarly arsenic we had fixed truthful overmuch clip and vigor to investigating which enactment was close and the champion and astir vigor efficient. We were stunned," says Yasemin.
Simon Storer from the IMA says it is not existent that you can't get a owe astatine each for a spot with spray insulation but determination are problems astir its reputation.
"It is wholly unhelpful to person a broad effect to spray foam applications. What this does is... dispersed fearfulness and uncertainty and opens the mode for unscrupulous operators to people each applications for removal erstwhile this is patently not necessary," helium says.
'Over the moon'
The Royal Institution of Chartered Surveyors says portion it is not calling for an outright prohibition connected spray foam it is advising homeowners to get an autarkic adept to cheque that it is suitable for their home.
There are overmuch cheaper alternatives too, specified arsenic the much accepted rotation insulation, disposable for a fewer hundreds pounds from astir DIY stores.
As for Sandra she's conscionable blessed her spray foam is astir gone:
"I consciousness perfectly implicit the satellite due to the fact that it's each cleared retired now, due to the fact that I've got peace, which I didn't person before."
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