"Renters should keep detailed records of any mould issues and communications with their landlords to help ensure prompt action is taken and, if necessary, support any future claims or complaints"
- Greg Wilson - Quotezone
Katherine Simpson, partner at Edwin Coe LLP, explains that while the law requires landlords to ensure rented properties are free from hazards, many tenants continue to live in unsafe conditions. Despite the requirement introduced in March 2019 for homes to be ‘fit for human habitation’, numerous renters are still experiencing unresolved mould issues.
Home insurance experts at Quotezone.co.uk found that 15% of renters have experienced mould problems, and of those, 46% say the issue has yet to be resolved. Greg Wilson, home insurance expert and CEO at Quotezone.co.uk said, “It’s concerning that nearly half of renters living with mould issues haven’t had these problems addressed by their landlords. The delay not only affects tenants’ health, but can also lead to more extensive and costly damage to the property over time."
Wilson added, “Renters should keep detailed records of any mould issues and communications with their landlords to help ensure prompt action is taken and, if necessary, support any future claims or complaints."
The health consequences of poor housing are significant. Damp and mould primarily affect the airways and lungs, can cause respiratory infections, and impact the eyes and skin. In England alone, poor housing conditions cost the NHS an estimated £1.4 billion a year, with £895 million linked to defects exposing residents to cold and damp.
Wilson noted, “The landlord’s insurance provider needs a clear understanding of any ongoing issues, such as mould, to assess risk accurately, and failure to report or resolve these problems could result in claims being denied. If mould forms due to a lack of care and maintenance, it is unlikely to be covered by insurance – making it crucial that tenants also look after the property and ensure it is well ventilated and heated. Being proactive is crucial, as unresolved mould can worsen quickly, especially during the rainy season, increasing the risk of a serious issue.”
In response to growing concern, Awaab’s Law is expected to come into effect on 27th October 2025. This law will require social housing landlords to fix damp and mould issues within set timeframes, and campaigners are calling for the legislation to be extended to the private rental sector.
While responsibility for serious damp and mould problems lies with landlords, tenants can also take steps to reduce moisture and prevent mould from forming. Everyday habits such as ventilating properly and controlling indoor humidity can help.
Eight ways to help prevent mould in the home:
Open windows when it’s dry: Allow fresh air to circulate during dry periods, and close windows when it rains to prevent damp.
Avoid drying clothes on radiators: Use a drying rack near a window or a tumble dryer to limit moisture in the air.
Wipe down condensation on windows: Remove excess moisture, particularly during colder months, and consider preventative sprays or cleaners.
Use simple moisture-absorbing methods: A bowl of salt can help reduce humidity in damp-prone areas.
Keep furniture slightly away from walls: This promotes air circulation and prevents dark, damp spots where mould can thrive.
Maintain a steady indoor temperature: A consistent 17°c reduces condensation and helps prevent mould.
Encourage air circulation: Keep internal doors open during the day, but be mindful of blackout blinds restricting airflow.
Use dehumidifiers: Options range from small moisture-absorbing products to electric dehumidifiers; consider reviews, cost, and energy use.
Taking these measures can help reduce the risk of mould growth and protect both the tenant’s health and the property itself.
