Mold is one of the most common and costly problems for homeowners in Vancouver. Because of the city’s humid and rainy climate, even a small leak can lead to mold growth in walls, basements, or ceilings. But when it comes to paying for repairs, many homeowners ask the same question — does insurance cover mold damage?
In this article, we’ll explain when insurance covers mold, when it doesn’t, and what you can do to protect yourself from expensive surprises. We’ll also show how professional restoration services like Novaco Restoration can help document damage and handle the insurance process for you.
When Insurance Usually Covers Mold Damage
Home insurance policies are designed to protect you from sudden and accidental losses — not long-term maintenance issues. In most cases, your insurance will cover mold if it is caused by a sudden event. Here are some examples:
- Burst pipes that cause water to leak behind walls or under flooring
- Appliance malfunctions such as a leaking dishwasher or washing machine
- Storm or roof damage that lets rainwater enter the home
- Firefighting water used to put out a fire that later causes mold growth
In these cases, the mold is considered a result of a covered peril — meaning your insurance provider should help cover the cleanup and restoration.
When Insurance Does Not Cover Mold
Insurance companies often deny mold claims if the issue developed over time due to neglect, poor maintenance, or lack of proper ventilation. You may not be covered if mold results from:
- Slow leaks or plumbing drips that were ignored
- Condensation or high indoor humidity
- Roof leaks that were not repaired promptly
- Flooding from heavy rain or groundwater (unless you have separate flood insurance)
In these cases, the damage is seen as preventable, so it becomes the homeowner’s responsibility.
How to Strengthen Your Mold Insurance Claim
If you find mold in your home after water damage, quick action can make the difference between a successful claim and a costly denial. Here’s what to do:
- Act fast – Call a professional restoration company immediately. Mold grows quickly, and delays reduce coverage chances.
- Document everything – Take photos and videos of the affected areas and damaged belongings.
- Do not clean it yourself – DIY cleaning can disturb spores and make it harder for adjusters to verify the damage.
- Contact your insurance company – Report the incident as soon as possible and request claim instructions.
- Get a professional inspection – Companies like Novaco Restoration provide detailed moisture and damage reports that support your claim.
Why Professional Mold Remediation Helps with Insurance
Insurance companies prefer working with certified restoration professionals because they follow industry standards and provide accurate documentation. At Novaco Restoration, we help clients across Vancouver by:
- Inspecting and identifying the source of mold growth
- Providing written assessments, photos, and moisture readings
- Working directly with insurance adjusters to simplify the process
- Performing safe mold removal and complete restoration
Tips to Prevent Mold and Future Insurance Issues
- Repair leaks immediately and keep gutters clear
- Use dehumidifiers in basements and crawl spaces
- Ventilate bathrooms and kitchens properly
- Check attics and basements for moisture twice a year
- Keep humidity levels below 50 percent indoors
Key Takeaway
Insurance may cover mold in certain cases, but prevention and quick response are always your best defense. Don’t wait until it spreads — the longer mold sits, the harder and more expensive it becomes to remove. Acting quickly also increases your chance of a successful insurance claim.
Call Novaco Restoration 24/7 at 604 400 4800 for certified mold inspection, removal, and full insurance support anywhere in Vancouver and the Lower Mainland.
Frequently Asked Questions
Does my home insurance cover mold from a leak
Yes, if the leak was sudden and accidental — such as a burst pipe. Long-term leaks or poor maintenance are usually not covered.
How much mold coverage do most insurance policies include
Some policies include limited mold coverage, often between $5,000 and $10,000. Ask your insurer about mold endorsements for better protection.
Can a restoration company help with my insurance claim
Yes. Novaco Restoration works directly with adjusters to provide reports, photos, and professional documentation that support your claim.
What should I do if my claim is denied
Ask your insurer for a written explanation, review your policy, and contact a restoration professional for a second opinion and independent report.
How can I prevent mold from forming again
Control moisture by fixing leaks quickly, improving ventilation, and keeping indoor humidity low with dehumidifiers or fans.
