Housing disrepair calculator

Housing disrepair, worked out from the rent

Five questions for the tenant. Back comes an estimated range: a share of the rent for the time the landlord was in breach, plus an allowance for damaged belongings.

Set up for rented homes in England. Wales has its own regime under the Renting Homes (Wales) Act 2016.

A woman in a dim room resting her chin on her arms, looking worried
Living with it, month after month.
A bedroom ceiling where the plaster has fallen away, exposing the wooden laths
Ceiling down
Black mould spreading in streaks down a white painted wall
Black mould

Photos: engin akyurt, Brett Jordan and Hydra 4x on Unsplash

A working demo for law firms. Figures come from our default bands and have not been approved by any firm. If you are a tenant looking for help, speak to a solicitor. If your landlord is a council or housing association, you can also complain to your landlord, then to the Housing Ombudsman.
Shown in our neutral demo style. A live version uses the firm’s own logo, colours and fonts.
yourfirm.co.uk/housing-disrepair/calculator
DEMO
Example & Co Housing disrepair claims
Indicative estimate
Not legal advice
Housing disrepair

What compensation could a disrepair claim bring?

Five questions about your home. You’ll see an estimated range, how we worked it out, and your options, including free ones.

01

What’s wrong with your home?

Tick everything that applies.

02

How bad has it been?

Think about the effect on daily life, not only the repair itself.

03

Count from when your landlord knew about it, usually when you first reported it.

Since first reported
04

Who is your landlord?

This changes which free complaint routes are open to you.

05

A rough figure is fine.

Answer the questions above to see your estimate.

Your estimated range
£0to£0

An indicative range based on your answers, not a guarantee. The outcome turns on the evidence, especially what your landlord knew and when.

How we worked it out

Rent over the period–
Share of rent for discomfort and inconvenience–
That share of the rent–
General damages, with the 10% uplift–
Allowance for belongings and extra costs–
Estimated range, rounded–
Start your claim with Example & Co

A solicitor will look at your evidence, tell you whether you have a claim and explain how it could be funded.

You don’t have to use a solicitor

How this estimate is worked out

Courts commonly value the discomfort and inconvenience of living with disrepair as a share of the rent for the period the landlord was in breach (Wallace v Manchester City Council (1998) 30 HLR 1111; English Churches Housing Group v Shine [2004] EWCA Civ 434). We apply 10–25% of rent for moderate problems, 25–50% for serious ones and 50–100% where the home was barely liveable. Where three or four separate problems overlap, the top of the band rises by 5 points. With five or more, the bottom rises by 5 and the top by 10, capped at 100%. Damp and mould count as one.

General damages then carry the 10% Simmons v Castle uplift, which the Court of Appeal confirmed applies to disrepair claims in Khan v Mehmood [2022] EWCA Civ 791.

We then add an allowance for damaged belongings and extra costs (£300, £800 or £2,000 at the low end by severity, with the top end rising 25% for each separate problem), such as higher heating bills or replacing mouldy clothes. In a real claim these need receipts or other proof.

The landlord is usually liable from when it was told about the problem and had a reasonable time to fix it. Claims for breach of a tenancy agreement can normally go back up to six years.

Not included: personal injury, such as breathing problems made worse by damp or mould, which is valued separately.

The method

Built the way disrepair is argued

The calculator follows the method your fee earners already use on a file, so the number a tenant sees on your site is one you could defend on a call.

A percentage of rent, from the case law

General damages are worked out as a notional reduction in rent for the period of breach, the approach in Wallace v Manchester City Council (1998) 30 HLR 1111 and English Churches Housing Group v Shine [2004] EWCA Civ 434. In Shine the Court of Appeal said an award above the rent needs clear reasons, so our bands top out at 100%. The 10% uplift is added after, following Khan v Mehmood [2022] EWCA Civ 791.

A range, with the working

The tenant sees a low and a high figure, rounded, and every line behind them: rent over the period, the percentage, general damages and the allowance for losses. No single figure, and no promise about the outcome.

Routes without a solicitor, by landlord type

Council and housing association tenants are pointed to the landlord’s complaints process and the Housing Ombudsman. Private tenants are pointed to council environmental health (free) and the county court, because the private rented sector is not expected to have a landlord ombudsman until 2028.

Your bands, your sign-off

The percentages and allowances shown here are our defaults. We set them from your own settled cases, you approve the figures and wording before launch, and you remain responsible for the promotion. We supply the software and hosting.

Kept current as the law moves

Awaab’s Law has applied to social landlords since 27 October 2025 and is being widened to more hazards in stages. Under the Renters’ Rights Act 2025, private landlords are due to join a new ombudsman in 2028. We update the wording centrally when these land.

Want this on your site?

We build it in your branding, tune the bands to your case history and host it for you. Fifteen minutes is enough to show you how it would look.

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