Spray Foam Insulation is becoming so much of a problem that Desktop Surveys are no longer being considered by lenders as a valid way of inspecting a property. Spray Foam Insulation when installed incorrectly, can cause decay in the roof timbers of the property which is deemed a risk by most lenders. The presence of badly installed Spray Foam Insulation can cause £1000s in costs to be incurred by the homeowner. If you would need to file a complaint you can contact the Financial Ombudsman Service (FOC).