Does My Calgary Home Insurance Cover Mold Damage?

Mold is a common problem that homeowners in Calgary have to contend with throughout the year. Rain or shine, hot or cold, it is an issue that can damage your home and create a number of health problems for you and your family. That is why it is so important to make sure that you rectify any mold problems as soon as possible.

Because mold problems arise where there is moisture, dampness always comes first. Mold is never covered under a Calgary home insurance policy, but water damage may be. It’s important to know exactly what your policy covers, and to do your best to mitigate for unfortunate situations like mold. Often, homeowners simply assume their policies cover them only to learn that they are not covered when a problem arises.

What is typically covered:

• Damage caused by extreme weather events EXCEPT overland flooding

• Faulty plumbing

• Damage caused by defective water heaters or indoor fire sprinklers

What is not covered:

• Problems arising from negligence

• Overland flooding

• Anything specifically excluded from your Calgary home insurance policy

Some policies may cover you should the water heater break, but they will not cover you should a flood swamp your basement. That is why it is always advisable to go over your insurance policy with a knowledgeable broker thoroughly prior to signing it.

Prevention Is The Key

Of course, the old saying that an ounce of prevention is worth a pound of cure rings true when it comes to insurance. When it comes to preventing mold and water damage, don't rely on your Calgary home insurance policy to cover you. Instead, take the following preventative steps to help ensure that you will never have to worry about the problem ever occurring:

• Avoid overusing humidifiers within your home

• Position downspouts to direct water away from your home and the foundation

• Use kitchen and bathroom exhaust fans during and after your showers

• Make sure your home is adequately ventilated

• Inspect your home regularly for problems and promptly resolve any issues you discover

• Don't do "hatchet job" repairs; always enlist professionals to do the work right the first time

Take the following preventative steps to prevent mold and water problems:

• Flush your basement floor drains and sump pumps regularly

• Remove carpeting and wallpaper from high-humidity areas or areas prone to water damage such as basements, bathrooms, and kitchens

• Increase the ventilation within your home by installing ceiling fans

• Clean your carpets and furniture regularly

Bow Valley Insurance has built a solid and dependable network of Calgary home insurance companies and agents you can rely on. Before you sign your next policy, be sure that you contact us first and discover the many home insurance options that are available to you.

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