Mortgage refused due to spray foam
We assess the foam, confirm its type and condition, and provide a report your lender accepts. If removal is needed, we quote and complete it fast. Most buyers we help complete within two weeks.
An insulation assessment in Grimsby, North East Lincolnshire is the fastest way to find out what is really going on inside your walls, loft or roof. We check spray foam, timber, membranes and ventilation, then tell you plainly what needs removing and what can stay. If a lender, buyer or surveyor has raised a flag, book an insulation survey Grimsby homeowners trust.

An insulation assessment in Grimsby, North East Lincolnshire is a hands-on inspection of your insulation, roof structure and ventilation. We open up loft hatches, push a boroscope camera into tight corners, and take moisture meter readings from timber, plasterboard and insulation boards. We identify spray foam type, check for open cell foam versus closed cell foam, and look for vapour barrier failures. You get a written report with photos, not a vague verbal summary.
Grimsby's coastal climate drives most of the problems we find. Driving rain off the Humber, cold winters and older terraced housing in East Marsh and West Marsh mean trapped moisture, damp and condensation, and timber decay. If you are buying a property or remortgaging, an insulation assessment for mortgage North East Lincolnshire lenders accept is often the difference between a offer going through or falling apart. We also cover Scartho and Cleethorpes, where loft conversions and roof spray foam from years ago now cause failed building survey findings.
Every assessment covers the essentials. If you need additional services like cavity wall inspection or commercial reporting, we quote separately. Here is what you get as standard.
We inspect the full loft and roof void, including rafters, tiles, felt and any insulation present. We photograph everything and note spray foam type, thickness and coverage. Access permitting, we check eaves and ridge ventilation.
We take moisture readings from timbers, plasterboard and insulation boards. Readings above 20% indicate a problem. We record the exact locations so you can see where damp is entering or vapour is trapped.
Where insulation blocks the view, we use a boroscope camera to inspect behind boards and into cavities. This finds hidden structural damage that a visual check would miss. It is how we confirm rot without stripping everything out.
Within 24 hours you receive a written report with photos, moisture readings and a clear recommendation. If removal is needed, we specify which areas and why. Lenders and solicitors accept our reports because they are specific.
If removal is required, we provide a fixed-price quote based on the assessment findings. No hourly rates, no surprises. The quote includes removal, disposal and making good. You decide whether to proceed.
Call 0147 246 0146 or book online. We ask what prompted the assessment, whether it is a mortgage, a damp patch or a cold room, and we schedule a same day insulation survey Grimsby slot where possible. Most assessments are booked within 48 hours.
Our technician arrives with a boroscope camera, moisture meter and respirator. We inspect the loft, roof void, walls and any accessible insulation. We photograph everything and note spray foam type, thickness, coverage and condition. Expect 60 to 90 minutes for a typical three-bed semi.
We take moisture readings from timbers, plasterboard and insulation boards. We check airflow at eaves and ridge vents. If readings are high, we note exactly where water is entering or where vapour is trapped. This is where most hidden structural damage is found.
Within 24 hours you receive a written report with photos, moisture readings and a clear recommendation. If removal is needed, we specify which areas and why. If it can stay, we say so. Lenders and solicitors accept our reports because they are specific and evidence-based.
If spray foam removal is required, we provide a fixed-price quote for the work. We handle open cell and closed cell foam, using dry ice blasting or sand blasting equipment depending on the substrate. Most removals are completed within one to three days.
Purpose-built equipment, used by trained technicians — so the job is done accurately the first time.
Lets us see behind insulation boards and into cavities without stripping everything out. Essential for finding hidden rot and confirming foam coverage.
Takes accurate readings from timber, plasterboard and insulation. Anything above 20% indicates a problem. We record every reading in the report.
Removes spray foam without water or chemicals. Ideal for delicate roof tiles and membranes where other methods risk damage.
Cuts through rigid closed cell foam quickly and cleanly. We use it to strip foam from rafters and timber without gouging the wood.
Captures dust and debris during removal. Keeps your home clean and protects air quality while we work.
Protects our technicians from dust, spores and chemical residue. Standard kit on every removal job.
A buyer's surveyor flagged spray foam in the loft of a three-bed semi in Scartho. The lender refused to proceed until the foam was assessed. The buyer had already given notice on their rental.
We assessed the foam within 48 hours and confirmed it was open cell foam with no rot. The lender accepted our report and the mortgage completed. The buyer moved in on schedule.
A homeowner in East Marsh noticed a damp patch on the ceiling and a musty smell in the loft. The insulation was waterlogged and foam was blocking ventilation. Timber readings were above 25%.
We removed the foam and wet insulation, treated the timbers, and restored ventilation at the eaves. Moisture readings dropped below 15% within two weeks. The damp patch dried out completely.
A landlord in Cleethorpes needed to remortgage a rental property. The lender required evidence that spray foam in the roof was not causing structural issues. No report existed.
We carried out a full assessment with boroscope photos and moisture readings. The report confirmed the foam was sound and the timbers were dry. The remortgage completed without further delay.
Most people call us because something has gone wrong. Here are the most common issues we find in Grimsby homes.
Ask a pro →We assess the foam, confirm its type and condition, and provide a report your lender accepts. If removal is needed, we quote and complete it fast. Most buyers we help complete within two weeks.
We identify where moisture is entering or vapour is trapped. We check ventilation and insulation placement. If foam is the cause, we remove it and restore airflow. If it is a leak, we tell you exactly where.
We provide an independent assessment that gives buyers and solicitors the facts. You control the narrative. If foam is fine, we say so. If it needs removal, we handle it and provide a certificate.
We measure where heat is escaping and where insulation has failed. We recommend the right fix, whether that is removal, replacement or additional insulation. Most homes see a noticeable difference within one season.
Most insulation assessments in Grimsby cost between 150 and 350 pounds depending on property size and access. A standard three-bed semi with a loft assessment sits at the lower end. Larger properties, commercial buildings or those needing cavity wall inspection cost more. The price includes the on-site inspection, moisture testing and written report.
An insulation survey in North East Lincolnshire includes a loft and roof void inspection, moisture meter readings on timbers and plasterboard, boroscope checks behind insulation boards, ventilation assessment, and a written report with photos. We identify spray foam type, coverage and condition. If removal is needed, we specify which areas and provide a fixed-price quote.
Yes, if your lender or surveyor has flagged spray foam insulation. Most lenders require evidence that the foam is not causing roof rot or timber decay. Our insulation assessment for mortgage North East Lincolnshire lenders accept gives them the specific information they need. We have helped buyers in Scartho and Waltham complete purchases that were stalled by foam concerns.
A typical insulation assessment takes 60 to 90 minutes on site. Larger properties or those with complex roof structures can take up to two hours. You receive the written report within 24 hours. If removal is needed, most jobs are completed within one to three days depending on access and foam type.
If a lender, buyer or surveyor has raised concerns about your insulation, do not wait. We provide clear reports and fixed-price removal quotes. Call 0147 246 0146 or book online. Same-day surveys available.
Book Assessment 0147 246 0146 →Ring us on 0147 246 0146 between 8am and 6pm, Monday to Friday, and we will book a survey at a time that suits you. Most Grimsby postcodes get a same-week appointment, and urgent mortgage deadlines are usually accommodated within 48 hours. If you prefer, email info@apexfocussprayfoam.com with a photo of your loft and we will give you an initial view before we visit.