Is mould covered by my home insurance?

No. Insurance covers damage that is sudden and accidental. Since mould damage is generally considered a preventable issue that happens over a period of time, it’s not covered by your home insurance.

At Sonnet, your home policy might cover mould if it’s caused by a covered event. An example of this would be if mould damage happened as a result of an overland flood from a rainstorm – as long as you have overland water coverage. But, there’s no guarantee. Determining the source of mould can be tricky. A claims adjuster would investigate the situation and make the final decision on whether or not you’d be covered.

Your best bet is to prevent mould before it happens. If you suspect you might have a mould problem, get your home inspected and fix the problem before it gets worse.