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RICS / PCA Guidance
04 September 2026EBR-01 Editorial Team#RICS
#surveys
#valuation
Surveyors cannot visually inspect roof timbers beneath spray foam insulation, leading to valuation caveats, mortgage refusals and delayed sales. EBR-01 explains the inspection problem and the documentation that resolves it.
<h2>Why spray foam creates inspection difficulties</h2><p>Surveyors inspecting a property with spray foam applied directly to the underside of the roof cannot visually assess the condition of rafters, joists and other timbers. This limitation is widely recognised in UK valuation practice, and it is the primary driver of cautious reporting on spray foam properties.</p><h2>Consequences for sellers and buyers</h2><p>Where a surveyor cannot confirm the condition of roof timbers, they will commonly report a caveat recommending further investigation or removal of the insulation. Mortgage lenders act on those caveats, which is why a spray foam property can fail a valuation even when no actual defect is present. Buyers may withdraw, and sellers may face a reduced price or a delayed sale.</p><h2>The EBR-01 post-removal report</h2><p>EBR-01 requires certified contractors to produce a post-removal inspection report that documents the condition of the roof structure once foam has been removed. This gives surveyors the evidence they need to complete their assessment, and gives lenders the confidence to release an offer.</p><p>Homeowners preparing to sell can take the free <a href="https://www.ebr-01.co.uk/assessment">property risk assessment</a> to understand their exposure before going to market.</p>

