Formaldehyde in insulation: villain or innocent bystander?

When urea formaldehyde foam insulation (UFFI) deteriorates, it produces an off-gas mixture whose major constituent is formaldehyde. Most investigative studies of UFFI have concentrated on formaldehyde. Health concerns fall into three groups: irritant characteristics, allergenic capabilities and potential carcinogenicity. Except for the first of these, formaldehyde's hazard potential is not clear. The extent to which formaldehyde may be responsible for UFFI's evil reputation is explored in this paper but the degree to which either substance is a real threat to health still appears to open to debate.