Nearest broker: Searching for a broker nearby…
Nearest broker: , Edmonton, AB Phone: 780.755.0110 5020 Lac St Anne Trail N, Onoway, AB, T0E 1V0 Phone: 780.967.2282 , Edmonton, AB Phone: 825.467.5631 206 Pembina Rd, Sherwood Park, AB, T8H 0L8 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9904 103 St, Fort Saskatchewan, AB, T8L 2C9 Phone: 780-998-0881 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

Is mould covered by home insurance? 

Home Insurance

By Samantha Lemna | April 22, 2021

Mould is a fungal growth generally found on organic matter in moist, warm conditions. It can be found in drywall, wallpaper, carpet and other places within a home. It can even be hidden behind walls! Mould is commonly caused by high humidity, leaks in the roof or foundation, broken appliances and flooding. Not only is it unsightly, but it can also cause health issues and be indicative of larger water problems in your home.  

Unfortunately, mould is not usually covered by home insurance. The exception is if there was initial damage that is covered by your policy that resulted in mould. 

Remember, your coverage will always depend on your individual policy. You should always contact your broker or insurance company to discuss a potential claim situation.  

Why isn’t mould covered by home insurance? 

Insurance is designed for unexpected events. In many cases, mould is damage that is preventable by proper maintenance. It is part of your responsibility as a homeowner to perform routine maintenance on your home and ensure there are no slow leaks that could cause mould 

Insurance companies may also specifically exclude mould or do not cover damage that can cause mould to grow, such as slow foundation leaks.  

Here are some examples where mould wouldn’t likely be covered by your home insurance: 

  • Mould growth in your bathroom due to the high humidity. 
  • You notice a crack in your foundation in the fall but wait to repair it. Unfortunately, the spring melt results in the crack letting some water into your home, which you don’t notice until someone else in your household finds the mould.  
  • A leaky dishwasher results in huge mould growth behind the appliance in your kitchen.  
  • A dripping pipe fixture results in mould under the sink.  

When is mould covered by home insurance? 

In certain cases, mould can be covered by home insurance. This is only if a covered peril caused the mould and there are no mould exclusions on your policy.  

Here are some examples where mould may be covered by your home insurance: 

  • hail storm severely damages your home which allows rainwater into your home. While you submit a claim immediately, it takes some time to get repairs and mould has begun to grow thanks to warm weather.  
  • A major rainstorm results in an overland water event that damages your basement. Luckily you have overland water and sewer backup coverage, but it takes some time to get the water out and repairs started. During that time, mould begins to grow in the basement carpet and walls.  

As always, you should talk to your broker and insurance company about any potential claim. 

There may be a limit on how much mould remediation is covered. This is usually between $1000 and $10,000 but the exact amount will depend on your policy. 

How do I know if I’m covered or not for mould? 

Your policy documents will outline your coverage but your broker is always an excellent resource. They’re there to answer your questions and can review your policy with you. You can also submit a claim and wait for your insurance company’s response.

Can I submit a mould-related home insurance claim? 

We encourage you to speak to your broker and submit a claim if it’s possible you’ll be covered.  

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...


Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.