A stark warning has been issued to renters and homeowners across the UK: a common household issue could be secretly damaging your health and your wealth. Property expert Michael Gorman has revealed the devastating impact mould and damp can have, far beyond simple unsightly patches on your walls.
Many dismiss mould as a minor cosmetic problem, but this perception is dangerously mistaken. Gorman emphasises that certain types of mould are a severe health hazard, particularly for the most vulnerable. "It can cause serious health problems, especially for those with weakened immune systems, the elderly, and young children," he states. The spores released can trigger respiratory issues, allergic reactions, and chronic conditions like asthma.
The Financial Time Bomb in Your Walls
The threat isn't limited to your physical wellbeing. Gorman highlights a brutal financial reality for tenants: mould could be the reason you lose your entire rental deposit. Landlords often argue that the dampness is a result of the tenant's lifestyle—such as drying clothes indoors or inadequate ventilation—rather than a structural issue with the property itself.
This leads to disputes where tenants are held financially responsible for the remediation costs, which can run into thousands of pounds. The burden of proof often falls on the renter to demonstrate that the problem was pre-existing or due to poor maintenance.
How to Fight Back and Protect Yourself
All is not lost. Gorman provides a crucial strategy for tenants to shield themselves from both the health and financial risks:
- Document Everything Immediately: The moment you spot mould, take clear, dated photographs and videos. This creates a vital paper trail.
- Report It in Writing: Inform your landlord or letting agent about the issue officially and in writing (email is perfect). Keep a record of all communication.
- Understand Your Rights: Know that landlords have a legal obligation under the Homes (Fitness for Human Habitation) Act 2018 to address issues that make a property unsafe, including serious damp and mould.
Gorman's final piece of advice is simple: "Don't ignore it." Taking immediate and documented action is the most powerful tool you have to ensure your home is safe and to avoid being unfairly penalised when it's time to move out.
