What to Do If Your Rental Property Is Unsafe?
How to document unsafe conditions, report them to your landlord, and escalate if nothing gets done.

How to document unsafe conditions, report them to your landlord, and escalate if nothing gets done.

If your rental property feels more like a health hazard than a home, it’s time to take action. If your rental property has conditions that make it unsafe or unfit to live in, you have clear rights and a clear path to getting them resolved. Here’s what to do, in order.
Start by making a clear list of everything that poses a risk or makes the property unfit to live in. Issues can range from obvious structural problems to less visible health hazards.
Common unsafe conditions include:
If you’re in shared accommodation, speak to your flatmates about whether they’ve noticed anything else. Our guide on can condensation cause mould covers one of the most common issues in rented properties.
Before contacting anyone, build a clear record of the problem. This protects you at every subsequent stage.
Report the issue to your landlord or letting agent in writing as soon as possible. Email is preferable to a phone call as it creates a timestamp and a paper trail.
Your message should include:
Be direct and factual. You don’t need to be confrontational, but be clear about what you expect and by when. Our guide on how long landlords have to fix problems explains the timeframes landlords are expected to work within.
If your landlord doesn’t respond or fails to carry out the necessary repairs within a reasonable time, contact your local council’s Environmental Health department.
Environmental Health officers can:
To make a report, find your local council’s Environmental Health contact details on their website. Bring your documentation, including photos, a timeline of the issue, and copies of any correspondence with your landlord.
As a private tenant in England, you’re protected under several pieces of legislation:
Homes (Fitness for Human Habitation) Act 2018: Your landlord is legally required to ensure the property is fit to live in at the start of the tenancy and throughout. If they fail to meet this standard, you can take them to court and may be entitled to compensation.
Housing Health and Safety Rating System (HHSRS): Local councils use this framework to assess hazards in rented properties. Environmental Health officers use it when deciding whether to take enforcement action.
Renters’ Rights Act 2025: Your landlord cannot evict you in retaliation for reporting unsafe conditions or contacting Environmental Health. This would constitute illegal retaliatory eviction, which is a criminal offence.
For free advice specific to your situation:
If unsafe conditions in the property have damaged your belongings, such as damp causing damage to furniture, or a fire or water leak affecting your possessions, your contents insurance may cover the cost of repair or replacement.
With Lemonade’s contents insurance, damage to your belongings from covered events such as fire, flooding, or escape of water is included.
If your rental property is unsafe, act quickly and systematically. Document the conditions, report them to your landlord in writing, and escalate to Environmental Health if nothing changes. You have clear legal protections, and help is available through Citizens Advice and Shelter if you need guidance at any stage.
And make sure your contents insurance is in place to protect your belongings whatever happens with the property itself.
Withholding rent is risky and not generally recommended, as it could put you in breach of your tenancy agreement and affect your credit history. A more effective route is to report the issue to Environmental Health and, if necessary, apply to the First Tier Tribunal for a rent repayment order. Citizens Advice can give you specific guidance based on your situation.
An unsafe rental property is one that poses a risk to the health or safety of occupants. This includes structural problems, severe damp or mould, faulty electrics or gas appliances, inadequate heating, pest infestations, and security risks like broken locks. Under the Homes (Fitness for Human Habitation) Act 2018, landlords are legally required to address these issues.
Citizens Advice and Shelter both offer free housing advice and can help you understand your rights and options. If your situation is serious and you may have grounds for legal action, check whether you qualify for legal aid through the government website.
Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.