I looked into spray foam insulation but not only were there lots of risks, but it was more expensive than traditional warm roof insulation with PIR boards or similar. I do think people should research what they put in their own homes as it wasn’t hard to find information that ruled out spray foam insulation fairly quickly.
Having said that, there is clearly some sort of regulatory gap here as not being able to mortgage your home is a very serious consequence of a relatively small and seemingly innocuous home improvement decision.