Can I Claim Compensation for Spray Foam Insulation?
Yes — if your spray foam was mis-sold, negligently installed, or has caused mortgage or structural problems, you may have a valid compensation claim.
Key Grounds for a Claim
Mis-Selling
You were told it was necessary, that it would definitely save money, or it was pushed through high-pressure sales or cold calling.
Negligent Installation
The installer failed to survey the property properly first, leading to trapped moisture and timber decay.
Reduced Property Value
Your property is now deemed "unmortgageable" by lenders, preventing a sale, remortgage, or equity release.
How to Make a Claim
Gather Evidence
Collect the original contract, receipts, photographs of any damage, and a report from a RICS-qualified surveyor.
Check Your Finance Agreement
If you paid by credit card or through a finance agreement, you may be able to make a Section 75 claim directly against the lender.
Use the Ombudsman
If the contractor is a member of a trade body, you can complain to the Financial Ombudsman Service for issues related to financing or mis-selling.
Legal Action
Engage solicitors specialising in spray foam claims — many operate on a no-win, no-fee basis.
Important Considerations
Limitation Period
You generally have up to six years to make a claim from the date the work was carried out.
Rogue Traders
If the original installer has gone out of business, you may still be able to claim through insurance-backed guarantees or the finance provider.
Beware of Scams
Be wary of companies offering to remove spray foam who are not properly qualified. Always verify credentials before proceeding.
Frequently Asked Questions
Am I eligible to make a claim?+
You may be eligible if spray foam was mis-sold to you, installed negligently, has caused structural damage, or has led to your property being unmortgageable. Even if you consented to the installation, you could still have a valid claim if the risks were not properly explained.
How long does a spray foam compensation claim take?+
Timelines vary. Straightforward Section 75 credit card claims can be resolved in 8–12 weeks. Legal claims through solicitors typically take 6–18 months depending on complexity, evidence available, and whether the case is disputed.
What if the original installer is no longer trading?+
You still have options. If you paid by credit card or finance, a Section 75 claim against your lender remains valid regardless of the installer's status. You may also be able to claim via an Insurance-Backed Guarantee (IBG) if one was issued, or through the installer's former trade association.
How do I verify a removal specialist is qualified?+
Ask for proof of public liability insurance, check they hold relevant industry accreditations (such as CHAS or SafeContractor), and verify any RICS-surveyor they recommend is registered at rics.org. Avoid any company that cold-calls you or pressures you into quick decisions.
How do I verify a claims advisor or solicitor?+
Solicitors must be registered with the Solicitors Regulation Authority (SRA) — check at sra.org.uk. Claims management companies must be authorised by the Financial Conduct Authority (FCA). Always verify before sharing personal information or signing anything.
Can I claim if I no longer own the property?+
Potentially yes, if you suffered a financial loss as a direct result of the spray foam — for example, if you were forced to sell at a reduced price. Speak to a specialist solicitor who can assess your specific circumstances.
Is there a time limit to make a claim?+
Generally, you have six years from the date of installation (or from when you became aware of the problem) to bring a legal claim. Acting sooner is always advisable as evidence can become harder to gather over time.
Related Guides
Disclaimer: Information provided is based on typical UK consumer rights and recent reports of spray foam issues. This is not legal advice — please consult a qualified solicitor for your specific circumstances.
Not Sure Where to Start?
Speak to one of our advisors — we can help you understand your options and connect you with verified removal specialists.