If your landlord has failed to repair damp, mould, structural damage, or other disrepair after being notified — build a professional claim report and take action.
Not sure if you have a claim in London?
Run the free Claim Checker — takes under 2 minutes and tells you how strong your case is.
Court
Central London County Court
Thomas More Building, Royal Courts of Justice, Strand, London WC2A 2LL
Claims can also be filed at the appropriate London borough county court or via Money Claims Online.
Local Council
Relevant London Borough Council
Private Sector Housing / Environmental Health
Local context
London accounts for the largest volume of property insurance claims in the UK, with a high concentration of Victorian and Edwardian converted properties alongside modern purpose-built blocks. Escape of water claims from shared plumbing in converted houses are particularly common.
London has the largest private rental sector in the UK — over 1.3 million households rent privately across its 33 boroughs. With housing demand consistently outstripping supply, many tenants find themselves in ageing or poorly maintained properties where landlords are slow to respond to disrepair.
Boroughs including Tower Hamlets, Hackney, Lewisham, Newham, and Southwark see particularly high volumes of housing disrepair complaints, often involving damp, structural issues, and heating failures in Victorian and post-war housing stock. The London Housing Tribunal and county courts process thousands of disrepair claims each year.
Victorian and Edwardian terraced houses — common across south and east London — are particularly prone to penetrating damp, failing roofing, and outdated plumbing. Converted flats in older stock frequently suffer from inadequate ventilation and shared structural issues.
English law applies in London. Landlords are bound by the Landlord and Tenant Act 1985 and the Homes (Fitness for Human Habitation) Act 2018, which gives tenants in London the right to take direct legal action against landlords who let properties that are unfit for human habitation.
Claims can be filed at the local county court. Central London County Court and the First-tier Tribunal (Property Chamber) both handle housing disrepair cases.
Areas in London we commonly see claims from
If it affects your health, safety, or the habitability of your home — and your landlord has failed to fix it — you likely have a claim.
Step 1
Report the disrepair in writing — text, email, or letter. Give a reasonable time to respond. Keep every record.
Step 2
Photograph the disrepair, note dates and impacts on your health and daily life. The more evidence, the stronger your claim.
Step 3
Use our guided builder to create a professional, structured claim report — formatted for courts, landlords, and councils.
Step 4
Send the report as a formal pre-action letter. If they still fail to act, you have grounds to file in court.
Start with the free claim checker to assess your case — then build your professional claim report. No solicitor needed.
One-off £99 · Instant PDF · No subscription
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