Could spray foam block Kiwi mortgages?

Experts address fears raised by UK case

Could spray foam block Kiwi mortgages?

A recent UK case has raised concerns about spray foam insulation, after Jim Bunce and his wife were unable to remortgage their home due to fears the foam damaged roof timbers.

In New Zealand, many homeowners are wondering if they could face similar issues.

However, New Zealand experts suggest there’s no need to worry yet.

“There is no evidence banks are raising a red flag or need to,” Steve McNeil, senior building physicist at BRANZ, told Stuff.

McNeil added that spray foam performance depends heavily on the installation process and site conditions.

“Laboratory testing alone can’t accurately determine its effectiveness in a specific building,” he said.

BRANZ advice on insulation

McNeil advised homeowners to use qualified tradespeople and quality products.

“The performance is influenced by factors such as the home’s age, expert installation, and maintenance,” he said.

In New Zealand, contractors must provide a producer statement (PS3) to confirm their work complies with building codes. Additionally, some firms offer Codemark certification and long warranties.

Potential issues in New Zealand
Damien McGill, director of Healthy Home Cooperation, is concerned.

“It’s not the massive industry in New Zealand yet [that it is in the UK], but it’s happening. It’s not regulated and checked,” McGill told Stuff.

He warned that adding insulation without ventilation could cause issues in the future, echoing the UK’s recent findings about spray foam-related condensation damage.

“This is going to be a problem in New Zealand sooner or later, guaranteed,” McGill said.

Read the Stuff report.

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