Damp and mould compensation and repairs in court
You could take your council or housing association to court if they do not deal with damp and mould properly.
You usually have to show that they either:
ignored you when you asked for repairs
did repairs badly and the problem keeps coming back
damaged your belongings when they fixed things in your home
Court action can be stressful and expensive.
Read our guide to taking court action for repairs and bad conditions before you start.
Video: Compensation for damp and mould in social housing
Video transcript
Many people ask about getting compensation for damp and mould.
You can get compensation if your council or housing association:
does not fix damp and mould they’re responsible for
takes too long to do the repairs, or
they're rude or treat you badly
There are different ways to get compensation.
1. Ask your landlord for a repairs policy
A repairs policy is a document that says how your landlord should deal with fixing things in your home. It may say what they should pay if they do something wrong.
You can also ask the Housing Ombudsman for compensation when you complain about your landlord. All councils and housing associations are signed up to the Housing Ombudsman scheme.
The Ombudsman can tell your landlord to:
fix things in your home
pay you compensation, and
do things differently in the future
For example, the Ombudsman can tell your landlord to make sure their staff follow the repairs policy.
2. You can also go to court
The court can tell your landlord to:
fix damp and mould in your home, and
pay you compensation
You need evidence of what your landlord did wrong and how it affected you.
Court action can take a long time and you might have to pay court fees which can be expensive.
Get legal advice if you’re thinking about taking your landlord to court.
You might be able to get free legal help if the damp and mould problem in your home is serious.
What you can claim for
The court could tell your landlord to:
fix the cause of damp and mould in your home
pay you compensation
You could get compensation for things like:
clothes and furniture you had to replace because damp and mould damaged them
health problems that happened or were made worse because of damp and mould
stress or inconvenience, for example, not being able to use some rooms in your home
Before you go to court
Try to sort the problem out with the landlord first.
Make a complaint
If you cannot work things out informally, you can:
make a formal complaint
take your complaint to the Housing Ombudsman if the problem continues
The Housing Ombudsman can tell the landlord to pay you compensation for stress and inconvenience. It cannot always tell your landlord to pay compensation for health or damaged belongings.
Find out more about how to complain about your landlord.
Starting court action
The court will only look at your case if you take the right steps first.
These steps are called a 'pre action protocol'.
You have to send your landlord a letter.
The letter should tell your landlord:
details of the problem and why it's not sorted out
how the problem affects you and anyone living with you
details of any letters, emails or text messages you sent to the landlord
information about experts you want to use to give evidence, for example a damp and mould surveyor
You need to give your landlord 3 weeks to reply to your letter unless:
the problem in your home is very urgent
an elderly person, someone who is disabled or a small child is at risk
Find out more about the risks of damp and mould.
If you have a solicitor, they should send a letter on your behalf.
Read the pre action protocol for housing conditions claims.
For a letter template, click 'ANNEX A - Letter of claim'.
What you need to show the court
You have to show the court that your landlord:
knew about damp and mould in your home
did not fix the problem for a long time
The court needs evidence of:
the things your landlord did wrong
the way you were affected by how your landlord dealt with the problem
For example, if you want compensation, the court needs to see evidence that you lost money, suffered stress or suffered ill health because of what your landlord did.
Time limits for going to court
You have up to:
6 years for most claims
3 years for a personal injury claim
The time starts from when repairs should have been done.
Getting legal help to go to court
Court action is stressful and can cost a lot of money if you lose.
Check if you can get help with your claim.
A solicitor or legal caseworker can help you check:
how likely you are to win your case
if your landlord could try and counterclaim against you
Counterclaim - example:
Your landlord took a long time to fix a leak in your flat that was causing damp and mould. You want to claim for damaged clothes, furniture and other belongings.
But you also owe rent. Your landlord could argue that the compensation you get should be lower, even if you win.
Free legal help
You could get free legal help if:
you claim benefits or have a low income
the conditions in your home are very bad and affect your health or safety
You cannot get this help if you only want compensation or you earn too much.
'No win no fee'
'No win no fee' is also called a conditional fee arrangement.
It means you only pay your solicitor if you win your case.
But you might have to pay your landlord's court costs if:
you lose
you or your solicitor stop the case
This could be very expensive.
Ask your solicitor to tell you by letter or email:
what happens if you lose your claim
how much you have to pay them if you win
what happens if you or your solicitor decide to stop the case
if they can help you get an order to get the repairs done as well as compensation
No win no fee agreements can be very complicated. Read the agreement carefully.
Do not sign anything unless you're clear what it means and are happy with it.
The Law Society has more information on:
paying for a solicitor, including the types of claim and what you could be charged for
Need more advice?
Last updated: 30 October 2024