1. Select Property Problems
Select damp, mould, leaks, heating failures or other problems affecting your property.
✓ Free UK Housing Compensation Tool
Housing Disrepair Compensation Calculator
Explore an illustrative compensation estimate for damp, mould, faulty heating, water leaks and other housing disrepair problems. Enter your rent, duration and level of impact to see a possible financial scenario, including optional additional expenses.
✓ Free to Use
✓ No Registration
✓ Instant Estimate
Calculate Your Estimate
Estimate Your Housing Disrepair Compensation
Complete three simple steps to explore the potential financial impact of housing disrepair. No personal details are required.
1
Problems
2
Rent & Impact
3
Losses
What problems are affecting your home?
Select all the property problems you have experienced. Multiple selections are allowed.
Selecting several problems does not
automatically multiply compensation.
The estimate uses your rent, the
relevant period and the selected
impact level.
Rent, Duration and Impact
Enter your monthly rent, the relevant number of months and how severely the problems affected your home.
£
Enter the potentially eligible
period, allowing for any
reasonable repair time
where applicable.
The calculator uses illustrative
impact factors of 10%, 25%, 40%
and 60%. These are modelling
assumptions, not statutory
compensation tariffs or fixed
Housing Ombudsman rates.
Additional Financial Losses
Did the disrepair cause damage to your belongings or additional expenses? This step is optional.
£
Enter only genuine expenses once.
Do not include personal injury damages.
Examples of Financial Losses:
Damaged furniture, mattresses,
clothing, extra heating bills,
cleaning expenses and reasonable
temporary accommodation costs.
How It Works
How to Use Our Housing Disrepair Compensation Calculator
Our free calculator helps you understand a possible financial scenario for unresolved housing problems in three simple steps.
2. Enter Rent and Impact
Enter your monthly rent, potentially eligible months and level of disruption.
3. View Your Estimate
Add optional financial losses and review the illustrative compensation breakdown.
Important:
This calculator primarily illustrates
housing disrepair scenarios in England.
Housing law and remedies differ in
Scotland, Wales and Northern Ireland.
The tool cannot establish whether
you have a legally valid claim.
Calculation Methodology
How Is Housing Disrepair Compensation Calculated?
Housing disrepair compensation does not follow one universal fixed tariff. The circumstances of the property, applicable landlord responsibilities, severity, duration and available evidence all influence the assessment.
Where housing conditions have reduced the normal enjoyment or use of a rented property, rent may provide a useful comparison benchmark. Separate financial losses may also be relevant where they are sufficiently supported.
Rent-Based Housing Impact
For simplicity, this calculator uses four illustrative levels of housing impact. Each corresponds to a percentage chosen for modelling purposes.
| Impact Level | Illustrative Factor | Typical Description |
|---|---|---|
| Minor | 10% | Home remained mostly usable with limited inconvenience. |
| Moderate | 25% | Normal activities or some areas were significantly disrupted. |
| Severe | 40% | Significant parts of the property became difficult to use. |
| Very Severe | 60% | Major disruption to the normal use of the home. |
These are not official compensation rates.
The percentages above are illustrative
assumptions used by this calculator.
They do not represent statutory tariffs,
guaranteed court awards or official
Housing Ombudsman percentages.
Monthly Rent × Eligible Months ×
Illustrative Impact Factor
Simplified Housing Impact Estimate
Adding Financial Losses
Some housing disrepair problems can result in additional financial costs. For example, water damage may affect furniture, while a prolonged heating failure might lead to additional electricity expenditure.
Reasonable, evidenced financial losses may be relevant in an appropriate compensation assessment. Actual recoverability depends on the applicable law, causation and supporting evidence.
Housing Impact Estimate +
Additional Financial Losses
Total Illustrative Compensation
How Does the Housing Ombudsman Assess Compensation?
The Housing Ombudsman has published guidance for considering compensation in social housing complaints. Its framework considers actual circumstances, evidence and appropriate rent benchmarks where relevant.
The Ombudsman's approach is not identical to a County Court damages assessment. A court may apply different legal principles and consider different types of loss.
You can read the Housing Ombudsman's official compensation guidance for more information.
If you want to explore other types of claims, our free UK Compensation Calculator provides access to tools covering personal injury, road traffic accidents, housing disrepair and other compensation categories.
Calculation Examples
Housing Disrepair Compensation Examples
These fictional examples demonstrate the calculator's arithmetic. They are not typical settlements or predictions of legal entitlement.
Damp & Mould
Moderate disruption affecting everyday use of a rented home.
Monthly Rent
£850
Duration
8 Months
Impact Factor
25%
Financial Losses
£250
Illustrative Total
£1,950
Heating Failure
Severe disruption caused by prolonged problems with heating facilities.
Monthly Rent
£950
Duration
4 Months
Impact Factor
40%
Financial Losses
£180
Illustrative Total
£1,700
Water Leaks
Minor inconvenience with limited interference in normal occupation.
Monthly Rent
£700
Duration
3 Months
Impact Factor
10%
Financial Losses
£0
Illustrative Total
£210
Example disclaimer:
The percentages and totals above
are illustrative mathematical scenarios.
Actual compensation may be lower,
higher or unavailable depending on
legal responsibility and evidence.
Housing Conditions
What Housing Problems Can Lead to Compensation?
Different types of disrepair can interfere with the comfort, safety and normal use of a rented property.
Damp and Mould
Persistent damp or mould can damage belongings and affect living conditions. Its cause and the landlord's obligations are important.
Heating Problems
Faulty heating systems or hot water installations may affect habitability and create additional costs.
Water Leaks
Leaking roofs, pipes and plumbing systems can damage the property and personal possessions.
Structural Damage
Defective walls, roofs, floors or other structural elements can affect safety and normal occupation.
Pest Infestation
Pest problems may be relevant where they arise from defects or circumstances for which a landlord is responsible.
Electrical and Plumbing Issues
Unsafe electrical installations or defective water and sanitation facilities may create substantial inconvenience or risk.
Important:
The presence of a defect does not
automatically establish liability
or compensation. The cause,
applicable legal obligations,
notice and available evidence matter.
Claim Eligibility
Who Can Make a Housing Disrepair Claim?
Different tenants may have rights relating to property repairs and housing conditions, depending on their tenancy, landlord and the applicable law.
Council Tenants
Council tenants may have access to relevant repair obligations and complaints procedures. Eligible social housing complaints may also be considered by the Housing Ombudsman.
Housing Association Tenants
Housing association tenants can report repair problems to their landlord and may have access to complaint and dispute resolution processes.
Private Tenants
Private landlords in England generally have specified repair obligations. However, complaints procedures and legal remedies can differ from those available to social housing tenants.
What Factors Affect Eligibility?
- Whether the landlord was responsible for the repair.
- Whether the relevant legal obligation was breached.
- When the landlord knew or should have known about the problem.
- Whether a reasonable opportunity to investigate and repair was provided.
- The resulting loss, inconvenience or damage.
- The quality of available evidence.
The calculator does not check
all eligibility requirements.
An illustrative numerical result
does not establish that
a legal claim will succeed.
Supporting Your Claim
What Evidence Do You Need for Housing Disrepair Compensation?
Good records can help establish what went wrong, how long the problem continued, what the landlord was told and any resulting financial losses.
| Evidence | Why It Matters |
|---|---|
| Photos and Videos | Show property defects and their development over time. |
| Emails and Repair Reports | Establish notification, repair requests and landlord responses. |
| Tenancy Agreement | Helps identify tenancy terms and responsibilities. |
| Inspection Reports | May provide independent evidence of disrepair. |
| Receipts and Bills | Support genuine financial losses. |
| Medical Evidence | May support separately assessed health-related allegations. |
A timeline is also useful. Record when the problem started, when it was reported, when repairs were attempted and when it was resolved.
Next Steps
How to Report Housing Disrepair and Request Compensation
Reporting the problem promptly, maintaining good records and following appropriate procedures can help protect your position.
- Notify your landlord. Explain the problem clearly and create a written record.
- Describe the impact. Identify the affected areas, any loss of essential facilities and any urgent safety concerns.
- Keep supporting evidence. Save photographs, emails, repair appointments and receipts.
- Use the appropriate complaints process. The available route depends on your landlord and tenancy.
- Consider independent advice. Housing specialists can help assess relevant obligations, remedies and legal procedures.
How Long Does a Landlord Have to Make Repairs?
There is no single repair deadline that applies identically to every housing problem. The type and urgency of the defect, applicable duties and relevant legal requirements matter.
Awaab's Law introduces prescribed requirements for certain hazards in social housing in England. These obligations should not be confused with automatic compensation rates.
Can You Withhold Rent Because of Disrepair?
You should not assume that outstanding repairs allow you to stop paying rent. Rent arrears can create serious tenancy consequences. Seek appropriate advice before changing rent payments.
Additional Compensation Factors
Can Financial Losses Be Added to Housing Disrepair Compensation?
Some disrepair problems create additional direct expenses. These may be considered separately from a rent-based assessment of reduced enjoyment or use of the home.
Damaged Belongings
Mould, leaks or other defects can damage furniture, clothing, carpets and mattresses. Relevant evidence may include photographs, receipts and reasonable replacement costs.
Additional Heating Bills
Where heating systems fail, residents might need alternative heating arrangements. Reasonable additional electricity or heating costs may be relevant if directly attributable to the disrepair.
Cleaning and Other Expenses
Depending on the circumstances, reasonable cleaning expenses, temporary accommodation costs and other out-of-pocket losses may also be considered.
Keep records:
Compensation for additional
expenses is not automatic.
Only include genuine costs,
avoid double counting
and preserve supporting evidence.
Does Housing Disrepair Compensation Include Personal Injury?
In some cases, harmful housing conditions may cause or worsen a medical condition. Personal injury issues require separate consideration of medical evidence, causation and legal responsibility.
Our housing calculator does not automatically calculate or add personal injury damages. You can explore the Personal Injury compensation category separately.
Important Considerations
What Can Affect Your Housing Disrepair Compensation?
Two tenants with similar housing defects may experience different levels of loss and disruption.
Duration
How long the relevant disrepair and resulting disruption continued.
Loss of Use
Whether rooms and essential facilities remained usable for normal activities.
Severity
The seriousness of the property conditions and their practical impact.
Landlord Response
Reports, investigations, repair attempts and relevant delays.
Financial Losses
Reasonable, proven costs resulting from relevant landlord failings.
Evidence
Documents, photographs, inspection reports and other supporting records.
Frequently Asked Questions
Housing Disrepair Compensation FAQs
Answers to common questions about housing disrepair compensation and our calculator.
How much housing disrepair compensation can I get?
There is no fixed amount that applies to every claim. Compensation depends on liability, evidence, the relevant period, loss of use and other individual circumstances. This calculator provides an illustrative scenario, not an expected settlement.
How is housing disrepair compensation calculated?
Relevant assessments may consider reduced enjoyment or use of accommodation, inconvenience and proven financial losses. Our simplified calculator multiplies rent by an illustrative impact percentage and a selected duration, then adds optional expenses.
Can I claim compensation for damp and mould?
Compensation may be available in appropriate circumstances where relevant landlord obligations were breached and resulting loss or harm is established. The cause, duration, evidence and landlord's knowledge may all be important.
Can I claim for damaged furniture or clothing?
Damaged belongings may form part of a relevant financial-loss assessment if the damage is sufficiently connected to the landlord's failing. Photographs, receipts and other evidence can help.
Can I claim additional heating expenses?
Reasonable additional heating or electricity costs may be relevant where directly caused by a qualifying failure. Bills and supporting records may be needed.
Does my landlord need to know about the disrepair?
Notification and an opportunity to investigate or repair can be important. The exact requirements depend on the applicable legal duty and facts. Keep copies of repair reports and correspondence.
Can council tenants claim housing disrepair compensation?
Council tenants may have relevant repair and housing-condition rights. Appropriate complaints and legal remedies depend on their circumstances.
Can private tenants claim housing disrepair compensation?
Private tenants may have rights concerning repairs and housing conditions. The applicable complaint and legal processes may differ from social housing arrangements.
Is the housing disrepair calculator free?
Yes. Our calculator is free and does not require registration or personal contact details.
Are the compensation estimates guaranteed?
No. The results use simplified illustrative percentages. They do not determine landlord liability, verify claimed losses or predict a court or Housing Ombudsman decision.
Can I stop paying rent until my landlord fixes the problem?
Do not assume unresolved disrepair automatically permits withholding rent. Rent arrears can have serious consequences. Obtain suitable advice before making changes to rent payments.
Does this calculator cover Scotland, Wales and Northern Ireland?
It can illustrate a mathematical scenario, but the legal explanation primarily concerns England. Housing law, procedures and remedies differ in other UK jurisdictions.
Official Information
Official UK Housing Disrepair Sources
The following official sources explain housing responsibilities, compensation considerations and relevant repair procedures.
Disclaimer:
This website provides
general information and
an illustrative calculation.
It is not legal advice,
a regulated claims assessment
or a guarantee of compensation.
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Calculator Methodology: Monthly Rent × Selected Months × Illustrative Impact Factor, plus optional financial losses.
The four impact percentages are modelling assumptions selected for this free calculator. They are not official court or Housing Ombudsman compensation rates.
Information date: 13 November 2026. Legal rules and guidance may change.