Date Published: 2023/10/26
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Mould is a common enemy of Canadian homeowners. It poses a severe health risk and can significantly damage your home, making it expensive to repair. As a homeowner, understanding how to purify your indoor air and keep your family and visitors healthy is essential. For these reasons, you need to care about mould, know how to manage it, and understand how your coverage relates to mould damage.
Mould is the accepted term for any fungus that grows in damp areas caused by leaks, flooding, and high humidity1. It often looks like a stain and comes in various colours, but in some cases, it may not be visible1. When mould finds a damp place to grow, it can contribute to poor indoor air quality and pose a health hazard1.
People living with mould and damp conditions are more likely to experience the following1:
See a doctor or health professional if you have any of these symptoms and suspect they are from mould.
Here are some ways you can identify the presence of mould in your home2:
Not all mould is simple to find, but if you pay attention to the visible signs or odours, you can catch the problem early. Immediate action is vital since mould will grow in a damp area within 48 hours2.
While you cannot necessarily mould-proof your home, there are some steps you can take to proactively prevent it from growing2:
While mould from severe water accidents such as burst pipes, sewer back-up, or overland water is commonly covered, it’s not unusual for mould-related insurance claims to be rejected if the mould has existed for some time. This can be viewed as neglecting home maintenance and will not be insured. Depending on your policy, you may have water and mould protection coverage limits. If repairs exceed the loss covered by your policy, you will have to pay out of pocket after the deductible is paid.
Since mould remediation can be expensive, it’s crucial that you address the water and mould damage as soon as possible. The longer you leave the issue, the more it will spread and the more difficult it will be to remedy. Ensure you know what is and is not covered in your policy, and consider enhancing your protection with additional coverage for water.
If you have questions about your home insurance coverage or would like to get a quote, contact an Orbit insurance broker today!