Living in a council or rented home should feel safe and comfortable. However, for many tenants across the UK, mould health risks and respiratory issues caused by damp and mould turn their homes into health hazards. These issues often stem from housing disrepair, leaving tenants struggling with poor living conditions and serious health problems. If you’re facing these challenges, you may be entitled to claim compensation for damp and mould. In this article, we’ll explore how mould and damp affect your health, your rights as a tenant, and how National Claims can help you fight for a safer home.
What Are Damp and Mould?
Damp occurs when moisture seeps into walls, ceilings, or floors, often due to leaks, poor ventilation, or structural issues. Mould, a type of fungus, thrives in these damp conditions, spreading black or green patches across surfaces. According to GOV.UK, landlords, including councils, are responsible for fixing damp caused by disrepair, such as leaking pipes or broken roofs.
Unfortunately, many tenants live with these issues for months or even years, unaware of their rights. The Homes (Fitness for Human Habitation) Act 2018 requires landlords to ensure homes are safe and free from hazards like mould. If your landlord fails to act, you can take legal action.
How Mould and Damp Trigger Respiratory Issues
Mould releases tiny spores into the air, which you can inhale without noticing. Over time, this exposure can lead to serious respiratory issues, especially for children, the elderly, or those with pre-existing conditions. Here’s how mould affects your health:
- Asthma Worsening: Mould spores can trigger asthma attacks or make symptoms like wheezing and breathlessness worse. A 2025 BBC News report highlighted tenants in Rotherham suffering breathing problems due to mould in council flats.
- Allergies: Mould can cause allergic reactions, including sneezing, runny noses, and itchy eyes. Severe cases may lead to chronic sinus infections.
- Respiratory Infections: Prolonged exposure increases the risk of bronchitis or pneumonia, particularly in vulnerable groups.
- Chronic Conditions: In extreme cases, mould exposure can contribute to long-term lung damage, as noted in a 2024 Housing Ombudsman report where tenants received £40,000 in compensation for severe damp-related health issues.
These mould health risks don’t just affect your body—they can also harm your mental health, causing stress and anxiety from living in an unsafe home.
Why Housing Disrepair Is a Growing Problem
Housing disrepair claims council cases are rising as tenants demand accountability. Damp and mould often result from:
- Leaking Roofs or Pipes: Water seeps into walls, creating perfect conditions for mould.
- Poor Ventilation: Lack of proper airflow traps moisture indoors.
- Neglected Repairs: Councils or landlords failing to fix structural issues promptly.
Awaab’s Law, introduced after the tragic death of a toddler due to mould exposure, forces social landlords to address damp and mould within strict timeframes. Yet, many tenants still face delays. For example, Rotherham Council spent £1.4 million on damp and mould repairs in 2024, but some residents still reported unresolved issues.
If your council or landlord ignores your complaints, you have the right to claim compensation for damp and mould. National Claims can put you in touch with experienced solicitors who specialise in housing disrepair claims council cases, guiding you through the process with no financial risk.
Your Rights as a Tenant
Under UK law, tenants have clear protections:
- Landlord and Tenant Act 1985: Landlords must keep properties in a habitable condition, including fixing damp and mould caused by disrepair.
- Housing Act 2004: Severe damp and mould can be classified as a “category 1 hazard,” requiring immediate action.
- Homes (Fitness for Human Habitation) Act 2018: Landlords must ensure homes are safe and free from health hazards.
If you’ve reported damp and mould to your landlord and they haven’t acted, you can:
- Contact your local council’s Environmental Health Department.
- File a complaint with the Housing Ombudsman.
- Pursue a housing disrepair claim for compensation.
For official guidance, visit GOV.UK’s advice on renting and repairs. National Claims offers a no-win, no-fee service, connecting you with expert solicitors to fight for your rights.
How Much Compensation Can You Claim?
The amount of compensation for damp and mould depends on several factors, including:
- Severity of the Issue: Minor mould growth may lead to lower payouts, while severe cases causing health problems result in higher amounts.
- Impact on Health: Medical evidence, like a doctor’s note linking mould to respiratory issues, strengthens your claim.
- Damage to Belongings: Compensation can cover ruined furniture, clothes, or electronics.
- Length of Disrepair: The longer you’ve lived with the issue, the higher the potential payout.
Here are estimated compensation ranges, based on National Claims’ insights:
- Mild Cases (occasional mould, minor health issues): £1,000 – £4,000
- Moderate Cases (persistent damp, asthma worsening): £4,000 – £10,000
- Severe Cases (chronic health issues, significant property damage): £10,000 – £25,000+
In one case, Lewisham Council paid £19,500 to a tenant after failing to fix damp caused by a window repair delay, which led to severe asthma and mental health issues.
To maximise your claim, keep records of complaints, photos of the mould, and medical reports. National Claims will help you connect with experienced solicitors who will fight for the compensation you deserve.
Steps to Claim Compensation
Ready to take action? Follow these simple steps:
- Report the Issue: Notify your landlord or council in writing about the damp and mould.
- Gather Evidence: Take photos, keep repair request records, and collect medical reports if you’ve faced respiratory issues.
- Contact National Claims: Our team will assess your case and connect you with expert solicitors for a no-win, no-fee claim.
- File the Claim: Your solicitor will send a letter of claim to your landlord, negotiate a settlement, or take the case to court if needed.
Don’t let mould and damp ruin your health or home. National Claims is here to help you secure repairs and compensation.
Why Choose National Claims?
At National Claims, we understand the toll that mould health risks and housing disrepair take on your life. Our no-win, no-fee service means you can pursue a claim without financial worry. We’ll put you in touch with experienced solicitors who specialise in housing disrepair claims council cases, ensuring you get the support you need to win your case.
FAQs About Damp and Mould Claims
1. Can I claim compensation if mould has made me ill?
Yes, if damp or mould has caused respiratory issues or other health problems, you can claim compensation. A doctor’s note linking your illness to mould strengthens your case.
2. What if my landlord blames me for the mould?
Landlords may claim mould is due to your lifestyle, but if it’s caused by disrepair (e.g., leaks or poor ventilation), they’re responsible. A solicitor can counter these arguments.
3. How long do I have to make a claim?
You typically have six years for property damage claims and three years for personal injury claims caused by damp or mould.
4. Will I have to pay legal fees?
With National Claims’ no-win, no-fee service, you pay nothing unless your claim succeeds.
5. Can my landlord evict me for claiming?
No, it’s illegal for landlords to evict you for making a housing disrepair claim.
Take Action Today
Don’t let mould health risks and respiratory issues take over your life. If you’re living with damp and mould due to housing disrepair, you deserve a safe home and compensation. National Claims will put you in touch with experienced solicitors who will help you with your claim, ensuring you get the justice you deserve. Contact us today for a free, no-obligation consultation and start your journey to a healthier home.
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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