Often not — mould from ongoing damp or structural problems isn’t usually covered. It’s important to check your policy details.

You should inspect promptly, identify the cause (not just surface mould), and take action to fix the root problem. Your documentation (surveys, reports) can prove you acted reasonably under current laws.

Tenants can escalate to the local council’s environmental health team, the Housing Ombudsman, or pursue legal action — with potential fines or enforcement.

Awaab’s Law (starting October 2025) requires urgent hazards like mould and damp to be investigated and addressed within strict timeframes, and landlords must keep records of actions taken.

Yes — landlords must fix mould issues caused by structural or maintenance problems and provide safe, habitable accommodation. Recent reforms like Awaab’s Law and the Renters’ Rights Bill are increasing expectations and response timeframes for addressing damp and mould.