In this answer
Short answer
Spray foam insulation has caused real problems for homeowners who cannot prove what was installed, or by whom. Many households who had spray foam installed have encountered problems when selling their home, because lenders and surveyors want evidence of what is in the roof before they will value it1. The paperwork is what stands between the foam in your roof and a stalled sale or a guarantee nobody can trace.
Four documents matter. Citizens Advice lists them as: a report from a survey done before any work started, a product certificate showing what type of spray foam was used, a guarantee from the trader who carried out the work, and a guarantee from the manufacturer of the insulation2. They belong together, kept after the work is finished, and kept with the deeds rather than in a loft folder that gets lost in a house move.
The paperwork to demand and keep
The full set is straightforward, and Citizens Advice in Wales sets it out plainly: "This should include: a report from a survey that was done before any work started; product certificate showing what type of spray foam was used; guarantee from the trader who carried out the work; guarantee from the manufacturer of the insulation"7. Each document answers a different question later on. The survey report shows the state of the property before anyone touched it, which matters if damp or timber problems appear afterwards. The product certificate identifies the material, which matters to mortgage lenders and to anyone assessing moisture or fire risk. The two guarantees say who pays if something goes wrong.
The reason for keeping all four is that spray foam is hard to reverse. It is difficult to remove from floor joists, wires and pipework, so it can present a problem when maintenance work is needed in the future8. Removal is sometimes forced by damp and condensation, damage to the property, or the need for a repair such as a roof repair2. A household that can prove what was installed, when and by whom is in a far stronger position than one relying on memory.

The pre-work survey report

The survey report comes first because it is the only record of the property's condition before the foam went in. Which? describes what a proper pre-installation survey involves: a U-value calculation showing how well-insulated your home is, an assessment of the risk of condensation occurring, and identifying any problems and measures needed to prevent them9. The same principle applies across insulation types: the property must be surveyed thoroughly before any material is installed10, and for some floor systems you may be required to pay for a survey in advance to establish whether your floor is suitable4.
A survey report that shows a condensation risk assessment is worth particular weight. Condensation inside a roof or floor structure is the mechanism by which spray foam can lead to timber problems, and a survey that identified and addressed the risk before installation is the document a surveyor or lender will look for. If the report is thin, a page of measurements with no risk assessment, that is a weakness in the record even if the installation itself was sound.
The product certificate
The product certificate records which spray foam was actually used. This matters because spray foam comes in two forms, open cell and closed cell3, and both are usually made from polyurethane filled with bubbles of gas or air9. The two types behave differently in a roof, and a lender or surveyor assessing a property cannot tell them apart by looking at the finished surface. The certificate is the only document that names the material.
The type also matters for risk. Government-commissioned fire testing of retrofitted spray applied closed and open-cell polymeric insulation to the underside of roofs found that such sprayed configurations can satisfy the highest demands for roof covering classification in current guidance11. That finding applies to a specific configuration, not to spray foam in general, which is exactly why the certificate identifying the product matters: the evidence is attached to the material, and only the paperwork connects your roof to it.
The trader's guarantee and the insurance-backed guarantee

There are two guarantee documents to check, and they are not the same thing. The first is the guarantee from the trader who carried out the work. The second is the guarantee from the manufacturer of the insulation7. A trader's guarantee is only as strong as the trader: if the firm has ceased trading, the paper may be worthless. That is why professional insulation installation is expected to come with an insurance-backed guarantee as well as public liability and employer's liability insurance, alongside TrustMark registration and membership of a trade assurance body such as the Installation Assurance Authority, the Cavity Insulation Guarantee Agency or the Solid Wall Insulation Guarantee Agency12.
An insurance-backed guarantee is underwritten separately from the installer, so it survives the installer. Where a scheme such as ECO4 Flex is involved, the grant rules tell recipients to check whether guarantees or warranties are offered and make sure these documents are received after the installation13. Signatures on scheme evidence can be digital or wet signatures14, so an emailed PDF guarantee is as valid as a posted original, provided it is kept.
TrustMark registration and ECO-funded work
For grant-funded insulation, the installer's registration is not optional. Installers under ECO must be TrustMark accredited and will have a registration number, except in the case of installers of district heating connections15. ECO4 delivery guidance goes further: measures should be installed by or under the responsibility of a TrustMark registered installer and have a relevant certificate of lodgement1. In Scotland, Home Energy Scotland grant and loan funding requires a TrustMark registered installer for solid wall, underfloor, flat roof or room-in-roof insulation16, and the same requirement applies to the Private Rented Sector Landlord Loan17.
TrustMark is a government endorsed quality scheme18, and its role is that of a competent person register for finding an installer who will assess your circumstances and property to identify suitable measures19. The practical value to a householder is the lodgement: when work is registered with TrustMark, there is a central record of what was done, which is the backstop if your own copies are lost. The installer's TrustMark registration number can be requested before work starts and checked against the register.
Listed buildings: consent comes before any paperwork

No amount of certificates and guarantees cures a missing consent. Listed building consent must be obtained before installing spray foam insulation anywhere in a listed property, and this is unlikely to be granted6. The planning position is consistent across local authorities: introducing new materials to the property, such as insulation, requires listed building consent20, more disruptive work like internal or external insulation will usually need it21, and listed buildings require consent for any significant work22.
If spray foam has already been installed in a listed building without consent, the paperwork problem is different in kind: the installation itself may be unauthorised, and no survey report or product certificate will change that. For a listed home, the sequence is consent first, then survey, then installation, then certificates. See insulating and glazing a listed building for the wider rules.
When the paperwork is missing
If the documents cannot be found, the first call is TrustMark on 0333 555 123423. Where the installer was registered, the lodgement record may fill the gap, and from August 2026 onwards, appropriate information from corresponding TrustMark lodgements may be used to complete incomplete linked grant recipient records24. Where the work was done under ECO4 or GBIS and quality problems are suspected, the UK Government began offering affected homes free audits in October 2025, with TrustMark conducting the audits and arranging repairs where problems are identified25.
The free audit involves a surveyor carrying out a thorough inspection of the work completed at your property5, and it is booked by calling 0333 555 1234 and choosing Option 15. For wall insulation installed inside and outside your home, TrustMark also runs a free home check in which a qualified professional looks at the insulation to see if it was installed correctly26. When TrustMark writes to arrange a visit, the letter quotes your unique measure reference number so you know it is genuine, and a visitor can be asked for their ID and that number to check they are genuine26. The same number check applies to letters about insulation work, as covered in how to know if an Ofgem letter about insulation is genuine.
For the wider background on spray foam and its risks, see spray foam insulation: risks, mortgages and removal, and for the scheme failures that led to the free audits, see the ECO4 and GBIS insulation failures.
Sources26 sources
- ECO4 delivery guidance version 4.0, Ofgem, 2026-03-26
- Make sure your home is energy efficient, Citizens Advice, 2026-09-19
- Spray foam insulation and mortgages, House of Commons Library, 2026-09-20
- Floor insulation review, Which?, 2026-05-26
- Booking your free TrustMark audit, TrustMark, 2026-06-04
- Spray foam insulation advice, Centre for Sustainable Energy, 2025-11
- Make sure your home is energy efficient (Wales), Citizens Advice, 2026-09-17
- Park homes advice, Centre for Sustainable Energy, 2026-07
- Spray foam insulation review, Which?, 2026-05-26
- Kiwa Cavity Wall Insulation Installer Scheme, Kiwa, 2026-09-17
- Fire safety: roof insulation fire testing summary and recommendations, UK Government, 2025-12-22
- DIY vs professional home insulation, Uswitch, 2025-11-07
- ECO4 Flex open grants, South Cambridgeshire District Council, 2026-09-17
- Boiler Upgrade Scheme insulation exemption evidence templates, Ofgem, 2023
- Energy Company Obligation: homeowners and tenants, Ofgem, 2026-09-17
- Home Energy Scotland grants and loans, Home Energy Scotland, 2026-09-17
- Private Rented Sector Landlord Loan, Home Energy Scotland, 2026-09-20
- Get a grant or loan to improve your home energy efficiency, Bristol City Council, 2026
- Energy Company Obligation scheme, Leeds City Council, 2026-09-20
- When consent is required for listed building works, Buckinghamshire Council, 2026-09-17
- Making alterations to a listed building, Bristol City Council, 2026-09-17
- Is permission needed for installing new roof tiles, Planning Portal, 2026
- Written statement: support for householders impacted by closure of ECO scheme, Welsh Government, 2026-03-13
- Warm Homes Social Housing Fund statistics, August 2026, UK Government, 2026-08
- Solid wall insulation advice, Energy Saving Trust, 2025-10
- Get help with faulty solid wall insulation, Citizens Advice, 2026-09-17