If you are living with damp and mould and your landlord keeps brushing you off, it is easy to feel stuck. You report it, send photos, chase again, and still nothing changes. Meanwhile, your walls get worse, your belongings start to smell, and your home stops feeling safe or comfortable.

The good news is that, in many cases, you may be able to claim compensation if your landlord has known about the problem and failed to act. In the UK, landlords have legal duties to keep rented homes in a reasonable state of repair and fit to live in. That applies whether the issue comes from leaks, poor ventilation linked to disrepair, broken heating, damaged brickwork, faulty gutters, or other problems that are helping damp and mould grow.

If you are looking into a housing disrepair claim, Claim First highlights that tenants in council or housing association homes may be able to seek repairs and compensation where serious problems such as damp, mould, leaks or unsafe electrics have been reported but left unresolved.

When damp and mould can lead to compensation

Not every patch of condensation automatically leads to a claim. The key issue is usually whether your landlord knew, or should reasonably have known, about the problem and then failed to put it right within a reasonable time.

If your landlord ignores repeated reports, delays inspections, carries out temporary fixes that do not solve the cause, or blames you without properly investigating, that can strengthen your position. Citizens Advice says landlords should not simply blame tenants for damp and mould; they are responsible for finding the cause. Government guidance also says landlords should investigate the source of damp and mould and treat serious cases as urgent, especially where health is at risk. 

You may be able to claim compensation for things such as:

Damage to your health and wellbeing

Damp and mould can affect far more than the look of your home. If you or your family have had coughing, breathing issues, worsening asthma, headaches, skin irritation, poor sleep or general distress linked to the conditions, that can form part of a claim. This is especially serious if children, older people or anyone with respiratory issues lives in the property. Government health guidance treats damp and mould as a real health risk in rented housing.

Damage to your belongings

If mould has damaged clothes, shoes, bedding, curtains, furniture, children’s items or electrical goods, you may be able to include those losses. Keep photos, receipts where possible, and a list of what was affected. Even if you do not still have every receipt, it is still worth recording the loss clearly.

Loss of enjoyment of your home

You are paying rent for a home you should be able to use properly. If a bedroom becomes unusable, if you have to move furniture away from damp walls, avoid certain rooms, or constantly clean mould just to get by, that reduced enjoyment of the property can matter. In some claims, compensation reflects the fact that part of your home was not properly usable for a period of time.

How strong is your case?

A strong damp and mould compensation claim often comes down to evidence. You do not need to be a legal expert, but you do need to show a clear story: the problem existed, your landlord knew about it, and they failed to act properly.

Helpful evidence can include:

Reports and complaints

Save emails, text messages, online repair reports, letters and complaint reference numbers. If you reported the issue by phone, make a note of the date, time and who you spoke to.

Photos and videos

Take clear dated photos of mould growth, stained walls, peeling paint, water marks, damaged possessions and any visible leaks. Keep updating these over time if the problem gets worse.

Medical evidence

If damp or mould has affected your health, medical records, prescriptions or GP notes can help link the housing conditions to the impact on you.

Inspection reports

If the council, landlord, surveyor or contractor has inspected the property, any written findings can be useful.

Does it matter what type of landlord you have?

Yes, because the route you take can vary.

If you rent from a council or housing association in England, Awaab’s Law is now in force for social housing. From 27 October 2025, social landlords must investigate and act on emergency hazards and significant damp and mould hazards within set timeframes. That gives social tenants much clearer expectations where serious damp and mould is reported.

If you rent privately, you still have rights. The Homes (Fitness for Human Habitation) Act applies to private tenants as well as many social tenants, and it helps tenants challenge unsafe or unfit housing conditions, including serious damp and mould where the home is not fit to live in. 

How common is this problem in the UK?

Sadly, damp and mould are not rare problems. The English Housing Survey reported that in 2023, serious condensation affected 3% of homes, with higher rates in social rented housing than in many other tenures. Separate research published by the government in late 2025 found that 77% of private renters reported some kind of issue with their current property, and damp or mould was the most commonly stated issue at 44%.

So if you are dealing with this, you are far from alone.

What should you do if your landlord keeps ignoring you?

Start by reporting the issue in writing if you have not already done so. Be specific. Say where the damp and mould is, when it started, how it is affecting your home, and whether anyone in the household has health issues that may be made worse.

After that:

1. Keep a full paper trail

Do not rely only on phone calls. Email is ideal because it creates a record.

2. Gather evidence as the problem continues

Keep photographs, videos, a diary of events, and proof of damaged items.

3. Ask for a proper inspection and repair plan

A quick wipe-down or repaint is not enough if the underlying cause is still there.

4. Escalate the complaint

Depending on your landlord, that might mean the council’s environmental health team, the Housing Ombudsman, or legal advice about a housing disrepair claim. Shelter and Citizens Advice both make clear that tenants can escalate where landlords fail to address serious damp problems. 

Could you actually receive compensation?

Yes, potentially. The amount depends on the seriousness of the disrepair, how long it went on for, the effect on your health, the damage to your belongings, and how much of your home you could not properly use. Some claims involve modest sums, while more serious cases can reach £1,000s, particularly where the disrepair has gone on for a long time and caused major disruption. Claim First’s housing disrepair service specifically refers to tenants potentially claiming £1,000s where qualifying issues have been ignored.

Final thoughts

If your landlord keeps ignoring damp and mould, you do not have to simply put up with it. In the UK, you may have the right to push for repairs, hold the landlord accountable, and claim compensation for the impact the problem has had on your life.

The most important thing is to act early, keep everything in writing, and build your evidence. If the problem has been dragging on for months, your home has become unhealthy, or your belongings and health have been affected, it may be time to explore a formal housing disrepair claim.