Mould and condensation

Mould and condensation

Condensation can often be seen on windows on a cold morning. It occurs when warm, moist air hits cold surfaces and can cause patches of black mould.

There are three main causes of condensation:

  • Too much moisture production in your home
  • Insufficient ventilation
  • Cool temperatures

How can I avoid condensation ?

In the British climate, it is unlikely for any home to be totally free of condensation. But there are small steps you can take:

  • Close kitchen and bathroom doors when these rooms are in use, even if they are fitted with an extractor fan. This prevents water vapour escaping. You should also open a window after you’ve been cooking, washing up, bathing or drying clothes
  • Put washing outdoors to dry where possible. If you have to dry clothes indoors, put them in the bathroom with the door closed and the window open or extractor fan on. Choose a condensing tumble dryer and make sure you vent it to the outside of your home
  • In cold weather, try to leave some background heating on all day, even when you are out. Never use a paraffin or flue-less bottled gas heater for this purpose

What else can I do?

  • Don’t allow kettles and pans to boil for longer than is necessary
  • Don’t over-fill cupboards and wardrobes
  • Leave some space behind furniture and the wall to allow air to circulate. 

Can I claim for possessions damaged by condensation?

Our insurance policy does not cover condensation damage when it is caused by living conditions. However, if the damage is as a result of a structural defect, or our failure to repair and maintain the property, then this may be covered by our insurance.

Condensation and mould leaflet

If you have followed the advice in our guide and need to report mould in your home, contact us at

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