Can someone explain the mechanism how the foam can damage the building? I didn’t quite get it from the article.
Spray-foam insulation makes homes unable to be mortgaged
31–40 of 133 posts
Re: Spray-foam insulation makes homes unable to be mortgaged
#32Reminds me of an recent instance where some friends wanted to buy a house, but it had solar panels. The solar panels couldn't be included in the mortgage and my friends couldn't afford to buy them outright along with the downpayment on the mortgage. The house still remains unsold.
I wonder how the price of solar panels work WRT mortgage: Is there any government- or bank-approved formula for how much solar panels on a house cost? Otherwise why not sell them for $9.99 along with the house?
Re: Spray-foam insulation makes homes unable to be mortgaged
#33Reminds me of an recent instance where some friends wanted to buy a house, but it had solar panels. The solar panels couldn't be included in the mortgage and my friends couldn't afford to buy them outright along with the downpayment on the mortgage. The house still remains unsold.
Very curious where this is? Sounds ridiculous, what jurisdiction wouldn’t include them as part of the house? Utterly bizarre! Also why couldn’t they afford them? Is this the US where the equivalent of a $5000 system elsewhere in the world seems to cost $25K to install for some reason? Even then, with depreciation as long as it’s a couple of years old surely the residual value isn’t that much…?
Re: Spray-foam insulation makes homes unable to be mortgaged
#34> At the root of the problem are cowboy traders who apply the foam without a full survey or appropriate expertise.
Re: Spray-foam insulation makes homes unable to be mortgaged
#35They inspect the roof wood? How? Cut open the ceiling? Rip off shingles?
Re: Spray-foam insulation makes homes unable to be mortgaged
#36> At the root of the problem are cowboy traders who apply the foam without a full survey or appropriate expertise.
I was initially confused when I read it, but I think that ‘trader’ here must be the politically-correct word for ‘tradesman’ (someone engaged in a trade) rather than someone who trades (like a stockbroker).
Re: Spray-foam insulation makes homes unable to be mortgaged
#37Reminds me of an recent instance where some friends wanted to buy a house, but it had solar panels. The solar panels couldn't be included in the mortgage and my friends couldn't afford to buy them outright along with the downpayment on the mortgage. The house still remains unsold.
I wonder how the price of solar panels work WRT mortgage: Is there any government- or bank-approved formula for how much solar panels on a house cost? Otherwise why not sell them for $9.99 along with the house?
Re: Spray-foam insulation makes homes unable to be mortgaged
#38> At the root of the problem are cowboy traders who apply the foam without a full survey or appropriate expertise.
I was initially confused when I read it, but I think that ‘trader’ here must be the politically-correct word for ‘tradesman’ (someone engaged in a trade) rather than someone who trades (like a stockbroker).
There is nothing politically correct or incorrect about it. It is just the standard term. Meanwhile in Australia they use 'Tradie' from what I understand.
Re: Spray-foam insulation makes homes unable to be mortgaged
#39Re: Spray-foam insulation makes homes unable to be mortgaged
#40Can someone explain the mechanism how the foam can damage the building? I didn’t quite get it from the article.
From the article: > Executive found that condensation could cause 25% of roof timber to decay within five years if spray foam is applied directly to roof tiles, or certain underlays. The general risks increase the further north the property is, because of colder climates. Most houses in the UK will have a timber frame, condensation will cause the wood to rot.
All that being common knowledge, it does indeed seem weird that people were just spraying foam directly on the inside of their roofs as vapor will be deposited somewhere in the open cell structure of the foam, or against the inside of the wood/roof-tiles (as the air cools down, it can hold less and less water so that condenses).
Given all that knowledge, I'm still unable to close all the vapor bridges in my house, because I can't remove certain structures. So it is still a bit of a gamble here and there, where the moisture will pile up. I just try to get it to pile up in sites that are exposed to outside air.
I can't imaging everyone being as analytical and careful as me though. Indeed I sometime here people just pasting PIR plates or mineral-wool in place and leaving them like that, no vapor screens or anything. Time will tell what happens to these houses. Old houses were made to just have a lot of heat-transport through the structure, which prevents vapor deposition. Insulating any house should come with at least some thought about where the humid inside air will go (preferably outside through ventilation holes.)