Lenders valuer is factually wrong. What can we do

originalmissy

bobster2 said:

The spray foam insulation that is often seen as a problem - is the type sprayed on the underside of the roof. Sometimes it can restrict airflow and cause problems with condensation / damp.

Have you definitely not got anything oin the underside of your roof?

Deffinately no foam in the loft. We only have the normal rockwall insulation, both in the loft and the walls 

RHemmings

originalmissy said:

bobster2 said:

The spray foam insulation that is often seen as a problem - is the type sprayed on the underside of the roof. Sometimes it can restrict airflow and cause problems with condensation / damp.

Have you definitely not got anything oin the underside of your roof?

Deffinately no foam in the loft. We only have the normal rockwall insulation, both in the loft and the walls 

I'm not going to be able to give a conclusive answer myself, but I'd be interested to see some photos. Others may (or may not) be able to give specific answers based on photos. 

originalmissy

Hi, I have attached a photo, excuse the mess. I have others but I think this is the best on.

nicmyles

I really hope the reply to this is someone saying "My god, you've got [insert board game] sitting around up there. That's worth thousands!"

Niv

Assuming you don't have any other areas of exposed steel in the house then I would suspect a copy/paste error by the surveyor. I would find it incredibly annoying that you are unable to contact the surveyor to understand what they saw. I would certainly press to the EA that there is no sprayed coating and it must be error in their report - even sharing your photo with them as evidence as the last thing you want is the EA believing that your house is unmortgageable.

originalmissy

nicmyles said:

I really hope the reply to this is someone saying "My god, you've got [insert board game] sitting around up there. That's worth thousands!"

Thats why its in the loft, we know

originalmissy

Niv said:

Assuming you don't have any other areas of exposed steel in the house then I would suspect a copy/paste error by the surveyor. I would find it incredibly annoying that you are unable to contact the surveyor to understand what they saw. I would certainly press to the EA that there is no sprayed coating and it must be error in their report - even sharing your photo with them as evidence as the last thing you want is the EA believing that your house is mortgageable.

We have had so many conversations with the estate agent but it seems they are unable to do anything! I think we are probably going to change estate agents, (they certainly don't deserve the fee im expected to pay them if/when it does sell), then start again. Would it be a good idea to tell the new estate agent what has happened and when they come round to do their pictures make sure they inspect the loft? Or would be be better getting our own private survey done and adding that to our file?

penners324

Go back to the estate agent that the buyer's surveyor is talking absolute nonsense and request they pass that onto the buyer.

NameUnavailable

Estate Agents aren't surveyors. They don't usually inspect loft spaces.

If the buyers have pulled out on the basis of the surveyors comments and aren't now returning calls/emails to the agent then I guess there's not much more they can do.

I would show the agents your photos and explain it's obviously an error and wait for the next would be buyer.

dannim12345

Were they defiantly happy with the steel construction?  Not sure all mortgage companies would lead.  Maybe they weren’t happy to lend on that but a copy / paste error meant the spray foam insulation was also mentioned or referred to instead?