What Is Damp and Mould Compensation?

If damp or mould has made your rented home unsafe, uncomfortable, or unlivable, you may be entitled to claim compensation between 25% and 50% of the rent paid during the period of disrepair

Whether your belongings were damaged, your health suffered, or you lost the use of a room, the law is on your side.

This guide explains exactly:

  • What’s the damp and mould compensation in the UK?
  • What the damp and mould compensation covers,
  • How to claim your damp and mould compensation in the UK,
  • Tips to maximise the compensation, and
  • What to do if your landlord is reluctant to act.

What Is Damp and Mould Compensation?

Damp and mould compensation is financial support or redress for people whose homes have become unsafe or unhealthy due to damp-related issues. 

This usually applies when landlords or property managers neglect their legal duty to carry out repairs after being told about the problem.

Damp and mould claims fall under UK housing disrepair law. If you’ve suffered damage to your health, property, or quality of life because of damp conditions, you may be entitled to:

  • Money to cover damaged belongings or medical costs
  • Compensation for inconvenience, stress, or poor living conditions
  • Court orders forcing your landlord to carry out urgent repairs

The key is proving that the issue was reported and ignored. That’s where the process begins.

Who Can Claim for Damp and Mould Compensation in the UK?

Are You a Renter?

If you’re a tenant in a private, council, or housing association property, the law is on your side.

Here’s how to check if you qualify:

  • Have you reported the problem to your landlord?
  • Did they fail to act within a reasonable timeframe (usually 14 to 28 days)?
  • Has the mould or damp caused damage to your belongings, affected your health, or made your home uncomfortable to live in?

If you answered yes to these, you could have a valid claim.

In a House Share or HMO?

If you live in a House in Multiple Occupation (HMO), your landlord has extra legal responsibilities.

If they’ve ignored requests or failed to meet basic safety and maintenance standards, you’re entitled to pursue action just like any other tenant.

Shared Ownership or Leaseholder?

Even if you partially own your home, you may still rely on a housing association or building developer to maintain certain areas (like walls, roofs, or ventilation systems).

If they fail to address damp or mould, your claim may go through:

  • An NHBC (National House Building Council) warranty (within 10 years of build)
  • A disrepair claim under leasehold laws
  • Legal action for breach of contract or duty of care

Don’t assume homeownership disqualifies you—you might have more leverage than you think.