"Renters should keep detailed records of any mould issues and communications with landlords to help ensure prompt action and support future claims or complaints. The landlord’s insurance provider needs a clear understanding of ongoing issues, such as mould, to assess risk accurately. Failure to report or resolve problems could result in claims being denied"
- Greg Wilson - Quotezone
With the rainy season underway, UK households face an increased risk of damp and mould.
Research from Quotezone.co.uk shows that 15% of renters have experienced mould problems, yet 46% of those cases remain unresolved.
Despite the law introduced in March 2019 requiring landlords to ensure rented properties are ‘fit for human habitation’, many tenants continue to live in unsafe conditions. Under the legislation, landlords must address hazards like damp and mould promptly to maintain safe homes.
Poor housing conditions cost the NHS in England an estimated £1.4 billion annually, with £895 million linked to defects that expose residents to cold and damp. Mould primarily affects the airways and lungs but can also cause respiratory infections and impact the eyes and skin.
Awaab’s Law, expected to come into effect on 27 October 2025, will require social housing landlords to resolve damp and mould issues within strict timeframes. Campaigners are also calling for the law to be extended to the private rental sector.
While responsibility for serious damp and mould problems lies with landlords, tenants can take steps to reduce moisture and prevent mould. Everyday habits such as ventilating properly and controlling indoor humidity can make a real difference.
Practical measures include:
Open windows when it’s dry: Allow fresh air to circulate and reduce moisture, but close windows when it rains or when leaving the property.
Avoid drying clothes on radiators: This adds moisture to the air. Use a drying rack near a window or a tumble dryer instead.
Wipe down condensation on windows: Remove excess moisture, especially in colder months, and consider using preventative sprays.
Use simple moisture absorbers: Bowls of salt can naturally reduce humidity in damp-prone areas.
Keep furniture slightly away from walls: This encourages air circulation and prevents dark, damp spots where mould could grow.
Maintain steady indoor temperature: Around 17°C helps reduce condensation, as sudden temperature changes can worsen mould.
Encourage air circulation: Open internal doors during the day, but ensure blackout blinds don’t block airflow, particularly in children’s rooms.
Use dehumidifiers: From child-friendly moisture absorbers to electric dehumidifiers, choose a solution based on budget, energy use, and effectiveness.
“It’s concerning that nearly half of renters living with mould issues haven’t had these problems addressed by their landlords,” said Greg Wilson, home insurance expert and CEO at Quotezone.co.uk. “The delay not only affects tenants’ health, but can also lead to more extensive and costly property damage over time."
“Renters should keep detailed records of any mould issues and communications with landlords to help ensure prompt action and support future claims or complaints. The landlord’s insurance provider needs a clear understanding of ongoing issues, such as mould, to assess risk accurately. Failure to report or resolve problems could result in claims being denied."
“If mould forms due to lack of care and maintenance, it is unlikely to be covered by insurance, making it crucial for tenants to ventilate and heat their property effectively. Being proactive is essential, as unresolved mould can worsen quickly during the rainy season, increasing the risk of serious issues.”
