Living in a home with damp and mould can be more than just an annoyance—it can seriously affect your health, especially your lungs. If you’re dealing with dampness and mould in your rented property in the UK, you might be entitled to make a housing disrepair claim. This article will explain how damp and mould can cause respiratory problems, your rights as a tenant, and how to claim compensation. Plus, we’ll cover how much you might receive and answer some common questions. Let’s break it down simply!
What Are Damp and Mould?
Damp happens when your home has too much moisture, often from leaks, poor ventilation, or rising damp from the ground. Mould grows in these damp spots, appearing as black, green, or white patches on walls, ceilings, or furniture. It’s not just ugly—it releases tiny spores into the air that can make you sick, especially if you breathe them in over time.
In the UK, damp and mould are common issues, especially in older homes or poorly maintained rentals. According to the UK Government’s guidance on housing conditions – Housing Health and Safety Rating System), landlords have a legal duty to keep properties safe and free from hazards like damp and mould.
How Damp and Mould Affect Your Respiratory Health
Breathing in mould spores can irritate your lungs and airways, leading to respiratory problems. Here’s how it might affect you:
- Asthma Attacks: If you have asthma, mould can trigger wheezing or make it harder to breathe. The NHS – nhs.uk – Asthma notes that poor housing conditions can worsen asthma symptoms.
- Allergic Rhinitis: This means a stuffy or runny nose, sneezing, and itchy eyes caused by mould allergies.
- Chronic Coughing: Long-term exposure can leave you with a persistent cough.
- Bronchitis: Damp and mould can inflame your bronchial tubes, making breathing uncomfortable.
- Worsened Conditions: If you’re already unwell, like with a weak immune system, mould can make things worse.
Your Rights as a Tenant in the UK
If you rent your home, your landlord is responsible for fixing damp and mould under the Homes (Fitness for Human Habitation) Act 2018. This law, detailed on – Landlord Responsibilities, means landlords must ensure your home is safe and healthy. If they don’t, you can take action.
Here’s what you can do:
- Report the Problem: Tell your landlord or housing association in writing about the damp and mould. Keep copies of your messages.
- Get Evidence: Take photos or videos of the damp and mould, and note any health issues you or your family face.
- Seek Help: If your landlord ignores you, contact your local council’s environmental health team.
If your health suffers and your landlord fails to act, you might have a case for a housing disrepair claim.
How Much Compensation Can You Claim?
Compensation for damp and mould-related issues depends on how badly your health and home are affected. In the UK, claims are assessed based on:
- Health Impact: Severe respiratory problems like asthma or bronchitis could lead to higher payouts.
- Property Damage: If mould has ruined your belongings (e.g., furniture or clothes), this can be included.
- Time Affected: The longer you’ve lived with the issue, the more you might claim.
On average:
- Minor health issues or inconvenience might get you £1,000–£3,000.
- Serious respiratory conditions or major property damage could range from £5,000–£15,000 or more.
Exact amounts vary, and a solicitor can give you a better estimate after reviewing your case. National Claims can connect you with experienced solicitors who will guide you through the process and help maximise your compensation. Contact them today for free advice!
Steps to Make a Housing Disrepair Claim
Making a claim might sound tricky, but it’s straightforward with the right help. Here’s a simple guide:
- Gather Evidence: Photos, medical records (e.g., from your GP), and correspondence with your landlord are key.
- Contact a Solicitor: Experts can assess if you have a strong case. National Claims will put you in touch with professionals who understand damp and mould claims.
- Negotiate or Go to Court: Most cases settle out of court, but if needed, a solicitor can represent you.
- Get Compensation: If successful, you’ll receive money for health issues and repairs.
The process is no-win, no-fee in many cases, meaning you won’t pay upfront if your claim fails.
Why Act Now?
Living with damp and mould isn’t just uncomfortable—it’s a health hazard. The UK Health Security Agency warns that ignoring these issues can lead to long-term damage. Plus, recent news from The Guardian (January 2025, ) shows a surge in housing disrepair claims due to worsening conditions.
By claiming compensation, you can force repairs and get support for your health. National Claims can help you connect with solicitors who specialise in these cases, ensuring you get the justice you deserve.
Frequently Asked Questions – Housing Disrepair
Q1: Can I claim if I own my home?
A: Yes, but it’s trickier. You’d need to prove the damp and mould came from a structural issue (e.g., a leaky roof) and not your negligence. A solicitor can advise you.
Q2: What if my landlord says it’s my fault?
A: Landlords often blame tenants, but if the damp is due to poor maintenance (e.g., no ventilation), it’s their responsibility. Evidence like photos will help your case.
Q3: How long do I have to make a claim?
A: You generally have 6 years from when the problem started or when you noticed the health impact, per UK law. Act quickly to avoid missing out.
Q4: Will claiming affect my tenancy?
A: No, it’s illegal for landlords to evict you for making a valid claim. Your rights are protected under the Housing Act 1988.
Q5: What if I can’t afford a solicitor?
A: Many firms, including those via National Claims, offer no-win, no-fee services. You only pay if you win, making it accessible.
Take Action Today
Damp and mould don’t just ruin your walls—they can ruin your health. If you’re suffering from respiratory problems like asthma or coughing due to dampness and mould, you have rights. Use the gov.uk resources to report issues, and let National Claims connect you with experienced solicitors to start your housing disrepair claim. Don’t wait—your health and home deserve better!
For more information, visit gov.uk – Private Renting or contact National Claims for free support. Together, we can tackle this problem and get you the compensation you need.
Contact National Claims today, and we will put you in touch with an expert solicitor who can guide you through the claims process.📞 Call us now free 0800 029 3849 or 📩 Submit an online enquiry to speak to our team. Your safety and well-being matter, and we’re here to help.
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