Householders are angered by the discovery they cannot remortgage or sell their homes after installing spray-foam insulation to cut energy use.
Sounds like the foam is the issue, which may be down to the shade tree handy man they hired being unlicensed or uninsured to perform insulating. If a person isn’t a dedicated HVAC worker who has day-to-day experience with insulation types and how to properly apply them, then the work may be causing more harm than good.
If the insurance and mortgage companies have a list of guidelines needed for insulation installation, it makes sense that folks need to follow them to continue using their services. Spraying any old foam into nooks and crannies is a fine way of hiding problems.