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How do I ask my landlord for compensation?

We feel safest when in the comfort of our home - an injury caused by an accident in rented accommodation can be particularly difficult to cope with and often very unexpected.

We also realise that accidents at home can cause painful injuries with long recovery times. We're here to help you make it right.

No matter what type of injury you've suffered, if it's stopped you from being able to go to work, socialise, drive, or carry on with everyday tasks then it's likely you're entitled to compensation.

It's all too easy to blame yourself for an accident that happened while you were living in rented accommodation. But by law, your landlord or the authority responsible for your home should make sure your accommodation is properly maintained and safe for you and your family to live in.

If they haven't provided you with a safe place to live, then you could make a compensation claim to cover the costs, impacts and expenses of your injury and recovery. This applies no matter whether you're renting from a private landlord, a letting agent, a housing association, the local council, or a university.

For free, impartial advice, or to find out whether you could make a claim, you can get in touch with us on .

Did you know?

There are around 60 deaths a year in England and Wales caused by the inhalation of toxic carbon monoxide fumes.

Source: NHS, 2020

What are housing disrepair claims?

There are two main types of housing disrepair claims:

  • Where you, a family member or housemate is injured or contracts an illness as a direct result of your landlord's negligence. Under these circumstances, people may be eligible to make no win no fee  housing disrepair claims for personal injury.
  • Where a landlord fails to maintain or repair the property where you live. Even though no illness or injury has been caused, if they can be shown to have been negligent, then you may be able to make a claim for disrepair compensation in accordance with the provisions of the Landlord and Tenant Act 1985. No win no fee assistance is also available and in some circumstances, Legal Aid help too. 

If you were injured or contracted an illness in rental accommodation because of landlord negligence, contact us in confidence on . Talk us through your circumstances in a supportive environment: we may be able to help.


When you rent a property, you're protected by common law. This may also be called ‘implied terms' in your tenancy agreement.

Common law states that a property should be in a condition that poses no significant risk to you or your visitors.

Also, your landlord should follow the strict rules set out in the Landlord and Tenant Act 1985.

The Landlord and Tenant Act 1985 states that your landlord is responsible for making sure your home is safe and properly maintained both inside and out. 

The Act applies to all tenancies agreed after 1961. Section 11 of the Landlord and Tenant Act 1985 summarises landlord responsibilities as follows:

  • The property must meet all required fire safety regulations.
  • Repair and properly maintain gas, electricity, water and sanitation.
  • Address mould, damp and any infestation problems.
  • Repair and maintain roof structures and plasterwork.
  • Maintain the property's structure and exterior, including external pipes and drains.
  • Provide efficient security.
  • Fix any central heating and wiring defects.

In effect, this means your rental property must be able to:

  • Withstand normal weather conditions.
  • Withstand normal use by tenants and visitors.
  • Is in a reasonable state of repair, both inside and outside.
  • Is safe for you to live in, is free from damp and well-ventilated.

It's really important to remember that the Landlord and Tenant Act 1985 is always applicable and protects your rights even if you don't have a tenancy agreement. Nothing in your tenancy agreement can breach the law. 

If you've been injured or contracted an illness because your landlord has breached their duty of care to you, then you may be eligible to make a personal injury claim for disrepair. Contact us on for a confidential chat with one of our friendly, legally-trained advisors.


Starting your compensation claim for an accident caused by your landlord is simple. The first step is to find out whether we think you have a claim. You can do this by getting in touch with our legally trained advisors for free on  .

Our help is confidential. We'll never rush or pressure you into making a claim - we're simply here to give free, impartial advice and to help you understand whether you can claim.

If you do decide you'd like to take the next steps, we can put you forward to the right specialist solicitor for your case.

Your solicitor will make sure you know exactly what to expect and will answer all your questions. They'll then contact the landlord's insurance company to negotiate compensation on your behalf.

We realise you may feel uncomfortable about making a claim against your landlord. But in most cases your landlord will have ‘landlord liability insurance' - this means your compensation will be paid by their insurance company, not by them personally.


More customer stories

If your landlord has failed to meet their responsibilities to keep you and your family safe, then this can cause several different types of injury, some of which can be life changing.

Below are some examples. If your injury isn't listed, then don't worry - it's still likely we can help you.

Carbon monoxide poisoning

Your landlord is responsible for making sure the gas appliances in your home are safe, and they must arrange for a gas safety check to be carried out by a gas safe' engineer every 12 months.

Carbon monoxide poisoning (also known as CO poisoning) is often caused by malfunctioning or poorly maintained gas boilers and appliances. In some serious cases it can be life-changing, causing damage to the brain and heart.

Slips, trips and falls

Slips, trips and falls in the home are often caused by ripped carpets, floorboards which are loose or missing, poor lighting, as well as loose paving slabs or unsafe steps in the garden.

Your landlord is responsible for making sure your property is maintained and safe for you and your family to live in, and this includes taking reasonable actions to avoid slips, trips and falls.

Respiratory problems

Damp or mould in your home can be a cause of respiratory problems. Breathing in damp air or mould spores can cause lung conditions such as asthma, bronchitis or emphysema, or could make existing conditions worse.

Damp can often be caused by leaks or a lack of ventilation, particularly in kitchens and bathrooms. If you've let your landlord know about damp or mould in your rented accommodation, then they have a responsibility to address the problem.


Is damage to my belongings covered in an injury claim for disrepair?

The short answer is yes. For example, if you were hurt in a house fire caused by negligently-maintained wiring, you may also have lost some - or in the worst case - all of your possessions. The value of your belongings would also be included in any claim for disrepair that you choose to make using one of our specialist solicitors.


How is compensation in housing disrepair claims calculated?

We know that any injury can be painful and can leave you feeling like you've lost your independence.

Aside from the emotional impacts, it can also put pressure on your financial situation, especially if you've had to take time off work, pay for private medical treatment or pay for somewhere else to live.

Your injury may leave you feeling like you're unable to support your family, or you may be reliant on them for transport, care, and help with everyday tasks. 

When making your landlord accident claim, our specialist solicitors will take into consideration anything that has changed in your life, this includes the impact on your family.

Each claim is unique to the person involved. You may have been injured in a slip or fall because of inadequate communal lighting, contracted a respiratory illness because of damp or mould or made sick through carbon monoxide poisoning. 

That's why how much you could be awarded depends on injury type, severity, recovery time and the financial impacts on your life. This means compensation in disrepair claims often vary.

Typically, our no win no fee solicitors will aim to recover compensation for any negative impact your injuries have had on you. There are two categories of damages that make us claim for disrepair compensation:

General damages: this amount covers what's called pain, suffering and loss of amenity. It's for the actual injury and the impact it has had on your ability to do everyday things.

Special damages: if applicable, this amount covers the financial impact the injury or illness has had on your life. It includes things like:

  • Time you've had to take off work and any loss of earnings.
  • Future loss of income and effects on your job prospects.
  • Any changes to your ability to work.
  • Any care or support you've received, even if it was given freely by family or friends.
  • Any changes you might need to your rental home or vehicle as a direct result.
  • Any travel costs you've incurred, for instance attending treatment.
  • The cost of any specialist treatment prescribed to you.
  • Loss of - or damage to - your possessions.

If you decide to proceed with a claim for disrepair injury, your solicitor will value your claim accurately. We can't tell you how much compensation you could receive before starting your claim, but you can try our free online compensation calculator to get an estimated figure.


How do I know that my property is safely maintained by the landlord?

Landlords are responsible for the safety of their tenants - you. Their duties are enshrined in law and breaches come with penalties.

A good landlord will always go above and beyond statutory requirements - but some don't so never assume everything's as it should be. Here we've highlighted the certifications your landlord should have carried out: 

Gas safety checks

  • Any gas appliances and flues in the property must be safety checked annually. The checks must be carried out by a qualified Gas Safe-registered engineer
  • Your landlord must give you a record of the safety check within 28 days of it being done and new tenants should receive this at the beginning of their tenancy. 

Electrical safety checks

  • All electrical systems and appliances in the property must be safe before the start of a tenancy. 
  • Houses with several flats require an electrical report and certificate every five years, but more regular testing is recommended. The safety checks should be carried out by a Part P qualified electrician.
  • The landlord should also have an Electrical Installation Condition report (EICR) and residential properties should be tested every ten years. 
  • Any additional or significant electrical installations must be carried out by a qualified electrician, who should provide the landlord with a certificate in addition to the EICR.
  • If you were a new tenant moving in between EICR checks, the landlord should ensure a qualified electrician checks the wiring system is still safe. 
  • If the property comes with portable appliances like kettles, coffee machines or TVs, then the landlord should PAT-test them, ideally every year, to make sure they're safe.  

Energy Performance Certificate

  • Landlords must have an up to date Energy Performance Certificate (EPC) for the property. 
  • The EPC details the property's energy use and typical energy costs. It's valid for ten years and includes any recommendations for improving energy efficiency.

Always check that your landlord has specialist landlord insurance cover in place for your peace of mind. Lastly, if no smoke alarms are fitted, ask your landlord to fit them where appropriate.

Find out more about the smoke and carbon monoxide alarm requirements in rental accommodation.


What should I do if there are disrepair issues where I live?

Even if you or a member or family hasn't been injured or fallen ill because of a disrepair problem, you may be wondering what you should do to get things fixed. It's your legally-protected right to rent a home that's safe and fit to live in. Here's our quick guide to getting things sorted out:

  • Provide formal notice to your landlord that there's a problem and describe it. Do this in writing so there's a clear record.  
  • Keep clear records of what the problems are, when they began when you let the landlord know and what action they took.
  • If they don't sort the problem promptly, it's also worth informing your local authority (if they're not your landlord). 
  • Your local council has powers to compel a negligent or sloppy landlord to take action about inadequate housing conditions. 
  • Always allow access so your landlord can make an inspection or carry out repairs. Not giving them a fair chance to fix things will help their case in any formal action relating to housing disrepair claims.

We make every effort to make things as clear as possible so you can concentrate on recovery.

Our solicitors will always advise on anything needed to support an injury claim for disrepair. Naturally, they'll take care of the legal work and negotiate with the other party on your behalf.

There will be information your solicitor will ask you to provide. This will include all the important dates, times, circumstances of the accident and any witnesses. 

If it's relevant to your claim, they will also ask you to provide evidence of care-time you've taken off work. They'll also ask about any medical treatment you've had to pay for or have received for free.

As part of housing disrepair claims, they'll also arrange a medical assessment that will analyse your injury or illness to support your claim.

The medical assessment is an important part of disrepair claims and how you're recovering. It typically takes place local to you and usually takes from 20 minutes to an hour.

Our solicitors handle all the legal work in housing disrepair claims, including:

  • Contacting the landlord's insurance company to notify them of your claim.
  • Negotiating on your behalf to make sure you and your family get the compensation you deserve.

The overwhelming majority of housing disrepair claims for injury are settled without things needing to go to court. In some rare cases you may need to attend a hearing, but your solicitor will advise you well in advance.

For more information, read all about the claims process.


What are the time limits for making a housing disrepair claim for injury or illness?

You can typically make a personal injury claim for negligence by a landlord up to three years after the accident event or when your illness was diagnosed. For children, a parent, guardian or other officially responsible adult can claim for them up until they're 18. If no claim has been made, they can make a claim as an adult between their 18th and 21st birthdays. it's always best to take advice about claiming as soon as you can.

Talk to us on . We can give you the help you need to make the decision that's right for you and yours.


Who pays the compensation in injury claims for disrepair?

If your claim succeeds, your landlord's insurance company will pay your compensation. This ensures the landlord responsible isn't hit with a bill they can't afford. 

We can help connect you with a specialist no win no fee solicitor, so always take professional advice. Contact us on for a confidential chat with one of our friendly, legally-trained advisors.


Might I be evicted if I make a claim for disrepair injury against my landlord?

No. There are strict laws in place to prevent harassment or illegal eviction. There is a clear and set procedure for legal eviction that landlords must follow. 

If you're being intimidated in any way by your landlord because you've mentioned you may be making a claim or are in the process of making one, call your local council. If the intimidation involves threats or actual physical violence, call the police immediately.


How much compensation can I expect from a housing disrepair claim?

The Judicial College is part of the Ministry of Justice. One of the jobs it does is set the guidelines for general damages for pain, suffering and loss of amenity that can be awarded in housing disrepair claims

Below are some examples of the injuries that can occur and the range of general damages for each. The figures are from the 15th and latest edition of the guidelines. Any financial losses you may have suffered in a disrepair claims injury are added on top if your claim succeeds.

Type of injuryCompensation range
Head injury£2,070 - £379,100
Facial injury£1,600 - £42,730
Severe neck injury£42,680 - £139,210
Moderate brain damage£40,410 - £205,580
Hip or pelvis injury£3,710 - £122,860
Back injury causing permanent symptoms£11,730 - £85,470
Ankle injury£12,900 - £65,420

How are injury disrepair claims funded?

You do this with a no win no fee arrangement, also known as a conditional fee agreement. It's the contract between you and your no win no fee personal injury lawyer.

If you win the claim, you'll be asked to pay any costs and expenses, not paid for by the other side, out of your compensation. This is likely to happen in most cases, as the other side is only required to make a contribution to your legal fees.

These costs may include:

  • A ‘success fee' which compensates the solicitor for the risk they take, as if your claim is unsuccessful they won't be paid at all.
  • Any other legal costs or expenses not recovered from the other side, such as the costs of any legal expense insurance.

These costs will only be deducted when your compensation is paid, and there are no upfront costs or hidden charges.

Your solicitor will discuss this with you at the start, so you'll know what to expect when your claim settles. If you don't win your no win no fee claim, you pay nothing to anyone. It's as simple as that.  

At the start of the claim, your no win no fee solicitor may need to take out a special legal protection insurance policy for you. It pays the costs if your claim were it  to fail and ensures claiming is risk free. Insurance must always be in place just in case that happens. 


At National Accident Helpline, we know just how traumatic injuries caused by poor rental housing conditions can be - and how stressful making landlord accident claims can be. All our advisors are legally-trained, have great people skills and are exceptional listeners. 

We often help people and their families who are still suffering the physical and psychological consequences of accident injury. Compassion, sensitivity, empathy and experience are characteristics we value highly in our team.

The same applies to the landlord and tenant solicitors for personal injury we pick to work with and we expect them to provide the same levels of care as we do. 

Across over 26 years, we've helped more than two million people hurt in accidents or caused illnesses that weren't their fault. Contact us on for a confidential chat about whether you can make a landlord negligence claim: we're on your side.


Injuries and illnesses caused by landlord negligence can be particularly traumatic. It means a fundamental thing: the roof over your head isn't safe and the individual or organisation responsible for that safety has failed in their basic duty of care.

We understand the pressures and that's why everything we do is focused around giving our customers the legal support they need at what can be a very stressful time.

Adam Nabozny

Managing Director, National Accident Law

Legal matters can be intimidating if you're unused to what they involve. We often speak with people who are unsure how to approach landlord accident claims. It's important to put customers at their ease and we explain that not only is the law there to protect them, but it's also there to provide compensation if they're eligible to claim and their claim succeeds.

Dean Loveridge

Legal Support Advisor, National Accident Helpline