Insulation Compensation Claims
If failed insulation has damaged your home, you're entitled to compensation. We'll help you claim from installers, insurance guarantees, energy companies, or through legal action - all at no cost unless you win.
Who Can Claim Compensation?
You Can Claim If:
- Insulation was installed in the last 10 years (some claims go back further)
- You have damp, mould, or structural damage caused by the insulation
- Installation was under ECO, GBIS, Green Deal, or similar government scheme
- You have an insurance-backed guarantee (CIGA, Trustmark, etc.)
- Spray foam has affected your mortgage application or home sale
- Installation breached building regulations or industry standards
- You weren't informed of risks before installation
Claims Are Harder If:
- Installation was over 15 years ago (limitation periods apply)
- You have no paperwork (installer name, guarantee certificate, etc.)
- The installer is dissolved and there's no insurance-backed guarantee
- Damp problems existed before the insulation was installed
- You can't prove the insulation caused the damage (need professional survey)
Don't worry if some of these apply - many claims succeed despite these challenges. We can advise on your specific situation.
5 Ways to Claim Compensation
Direct Claim Against Installer
The first and simplest route. Contact the company that installed your insulation and request they rectify the defects or compensate you for the damage.
Best for:
- • Installer still trading
- • Recent installations (within 1-2 years)
- • Clear installation defects
Success rate: 35%
Many installers ignore complaints or have ceased trading to avoid liability.
CIGA Guarantee Claim
The Cavity Insulation Guarantee Agency (CIGA) provides 25-year insurance-backed guarantees for cavity wall insulation. If your installer provided a CIGA certificate, you can claim directly from CIGA.
Best for:
- • Cavity wall insulation issues
- • You have a CIGA certificate
- • Installer ceased trading
Success rate: 72%
CIGA covers extraction and making good. Average payout: £3,000-£12,000.
Trustmark Complaint
Trustmark-registered installers must rectify defects or face losing their endorsement. File a complaint through Trustmark's dispute resolution process.
Best for:
- • Trustmark-registered installers
- • Government scheme installations
- • Installer ignoring direct complaints
Success rate: 58%
Trustmark can force installers to rectify work or compensate. Process takes 4-12 weeks.
Energy Company Claim (ECO/GBIS)
If your insulation was funded by ECO4, GBIS, or similar schemes, the energy company that funded the work has ongoing liability for quality standards.
Best for:
- • ECO4 or GBIS installations
- • Installation failed quality checks
- • Installer defunct
Success rate: 45%
Energy companies resist claims but NAO Report has increased pressure. Expect 3-6 months.
Legal Action (No Win, No Fee)
Pursue compensation through specialist solicitors on a no-win-no-fee basis. They'll claim against installers, their insurers, or pursue group actions.
Best for:
- • High-value claims (£10,000+)
- • Other routes exhausted
- • Serious health/structural damage
- • Multiple affected properties (group claims)
Success rate: 94%
Highest success rate but longer timescales (6-18 months). Average payout: £15,000-£45,000.
Evidence You Need for a Strong Claim
Installation Documents
- • Installer name and contact details
- • Installation date
- • Contract or quote
- • CIGA/Trustmark certificate
- • Government scheme paperwork
- • Any correspondence with installer
Don't have these? We can help track down documents through government databases and industry registers.
Professional Survey
- • RICS-certified surveyor report
- • Moisture meter readings
- • Thermal imaging evidence
- • Photos of damage
- • Link between insulation and damp
- • Cost estimate for remediation
Essential: This is the single most important piece of evidence. Without it, most claims fail.
Supporting Evidence
- • Photos of damp/mould (before & after insulation)
- • Medical records (if health affected)
- • Energy bills (showing no improvement)
- • Mortgage refusal letter
- • Remediation quotes
- • Timeline of events
Tip: Document everything with dates. Create a folder with all evidence.
Typical Compensation Amounts
| Insulation Type | Issue | Typical Compensation |
|---|---|---|
| Cavity Wall | Damp walls, mould growth | £3,000 - £12,000 |
| External Wall | Render failure, damp penetration | £8,000 - £25,000 |
| Spray Foam | Roof timber damage, removal needed | £5,000 - £35,000 |
| Spray Foam | Mortgage rejection, loss of sale | £10,000 - £50,000+ |
| Internal Wall | Condensation, cold bridging | £4,000 - £15,000 |
| Any Type | Health issues (respiratory, allergies) | +£2,000 - £10,000 |
Note: Compensation typically covers: removal costs, making good/repairs, redecoration, alternative accommodation during works, distress and inconvenience, and lost property value.
Get Free Claims Advice
Tell us about your situation and we'll connect you with specialist solicitors who work on a no-win-no-fee basis