Survivalist Pro
Photo by Pixabay Pexels Logo Photo: Pixabay

Why don t new houses have solar panels?

This is because solar panels don't have the capacity to store energy for use later in the day. This doesn't mean it's not possible at all, but to store energy you'll also require the addition of a battery bank, making the installation more complex and expensive.

When an elderly person stops eating How long can they live?
When an elderly person stops eating How long can they live?

As a result of discontinuing eating, patients can die in as early as a few days. For most people, this period without food usually lasts about 10...

Read More »
How do I know if Im boring?
How do I know if Im boring?

Boring persons talk too much about themselves and show little interest in others. The self-centered bore holds the floor too long, is long-winded,...

Read More »

Insulation Lenders Guidance

Home Logic & LogicFoam are aware of issues surrounding the sale or re-financing of properties following the installation of spray foam insulation. This has understandably resulted in media coverage on this topic which we appreciate can create concern for our existing and future customers.

Should I be worried about having spray foam installed in my property?

Whilst we are aware that some customers have experienced challenges with some lenders, this is not the case with all lenders provided that the correct installation documentation is in place.

Is my spray foam insulation up to a standard?

The spray foam insulation sector has been working hard to standardise installation practices and ensure quality through a range of mechanisms including independent testing and certification procedures. Spray foam products are tested to the same standards as other insulation measures and should be installed to the appropriate standards.

I already have spray foam insulation installed. Should I be worried about selling or getting a mortgage in the future?

Firstly, we hope that you are satisfied with your installation and that your home is both warmer and cheaper to run. If spray foam is already installed in your home and you have any concerns about future sale or re-financing, we recommend that you first check the paperwork which should have been provided with the installation alongside other documents passed on at the point of sale. If you have relevant paperwork, it should provide you with reliable information on the name of the installation company, the manufacturer and any warranties or guarantees offered. This documentation can be very useful in providing peace of mind and should a problem arise at the point of sale or re-financing to share with surveyors and/or lenders.

I am worried about my installation – what to look out for?

Spray foam is an established product used in the UK for over 30 years and internationally for even longer with few problems. We recommend periodic visual inspection of any modification applied to your home where this is possible. When checking an insulated loft space, issues to consider include the presence of damp, or any disintegration of either the insulation or roof materials.

Is it OK to leave lithium batteries on the charger?
Is it OK to leave lithium batteries on the charger?

Today, we want to answer a common question we get asked, 'Is it ok to leave a lithium ion battery on the charger'? Armed with this knowledge, it...

Read More »
What are the 4 principles of planning?
What are the 4 principles of planning?

While drawing from a variety of academic disciplines, and to help managers respond to the challenge of creative problem solving, principles of...

Read More »

I am still concerned. Who should I speak to?

We recommend in the first instance that you contact Home Logic who undertook the installation. If this is not possible, it is best to seek out a suitably qualified expert specializing in Spray Foam. We strongly advise against taking advice from cold callers . The National Insulation Association offers a postcode location search for reputable installers on its website here: National Insulation Association (NIA) UK (nia-uk.org)

Alternatively, contact us directly at [email protected]

What documents may I need in future?

Helpful documents to retain may include:

Original invoice

Installation certificate

Manufacturer name

Manufacturer Warranty

Product Certification (KIWA BDA or BBA)

Please note, even if none of these documents are present it does not mean that your installation is faulty, or that you will be unable to sell or re-finance.

What is Home Logic & LogicFoam doing about this, and should I remove the spray foam insulation?

We strongly recommend against removing any well-performing spray foam insulation. Your home should be warmer and cheaper to run when insulated by a professional and this is an attractive feature for most buyers. Home Logic is working closely with the National Insulation Association, mortgage lenders and the surveyor’s community to resolve the issues described. We hope that within the next few months we will be able to announce new measures which provide greater advice to surveyors, valuers and the mortgage industry whilst providing peace of mind to the consumer.

Disclaimer

Please be aware that we make no guarantee or representation as to the recognition or acceptance accorded by 3rd parties (for example, mortgage companies, equity release or valuers) to such accreditations or advice.

Who is the father of human philosophy?
Who is the father of human philosophy?

Socrates of Athens Socrates of Athens (l. c. 470/469-399 BCE) is among the most famous figures in world history for his contributions to the...

Read More »
How much savings should I have at 40?
How much savings should I have at 40?

You may be starting to think about your retirement goals more seriously. By age 40, you should have saved a little over $175,000 if you're earning...

Read More »
Can loose skin tighten?
Can loose skin tighten?

For small to moderate amounts of weight loss, your skin will likely retract on its own. Natural home remedies may help too. However, more...

Read More »
Why did King Kong like the girl?
Why did King Kong like the girl?

He is curious about her, he wants to protect her because he cares about her and she has touched his soul. Kong saves and rescues Ann from...

Read More »