{"id":41649,"date":"2026-09-14T10:11:28","date_gmt":"2026-09-14T14:11:28","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=41649"},"modified":"2026-09-14T16:35:13","modified_gmt":"2026-09-14T20:35:13","slug":"does-home-insurance-cover-mold","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/does-home-insurance-cover-mold","title":{"rendered":"Does Home Insurance Cover Mold?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Does Home Insurance Cover Mold?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-09-14T14:10:27.841Z\">September 14, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">8 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/keph-senett.jpg?quality=80&w=1024\" alt=\"Keph Senett\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Keph Senett<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Does-Home-Insurance-Cover-Mold.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Does-Home-Insurance-Cover-Mold.jpg 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Does-Home-Insurance-Cover-Mold.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Does-Home-Insurance-Cover-Mold.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Does Home Insurance Cover Mold? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/does-home-insurance-cover-mold\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/does-home-insurance-cover-mold\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">3 common types of molds found in Canadian homes<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-3-common-types-of-molds-found-in-canadian-homes\">3 common types of molds found in Canadian homes<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-when-does-home-insurance-typically-cover-mold\">When does home insurance typically cover mold?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-when-is-mold-usually-not-covered\">When is mold usually not covered?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-to-do-if-you-find-mold-in-your-home\">What to do if you find mold in your home<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-prevent-mold-in-your-home\">How to prevent mold in your home<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>If you\u2019ve discovered mold in your home, or if you worry that mold could develop, you\u2019ll want to know whether your <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" data-dig-id=\"LP-HomeInsurance-41649-09c6aacd\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"home insurance policy\" class=\"rbc-link-format\">home insurance policy<\/a> will help pay for cleanup and repairs. The short answer is it depends on the source of the moisture and the specifics of your policy.<\/p>\n\n\n\n<p>Mold can damage your home and your health, so once you identify it you need to act fast. Check your policy against the coverage information in this article and walk through exactly what to do if you find mold in your home.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Mold is a type of fungus that can grow in humid or damp environments<\/strong> and can damage your home and your health.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The source of the mold, along with your policy, will affect whether mold damage is covered<\/strong> by your home insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Mold is typically covered when it arises from a sudden, accidental covered peril<\/strong> like a burst pipe, but not if it\u2019s caused by gradual, preventable moisture.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>If you discover mold in your home, make sure you document the cause<\/strong> and act quickly to mitigate damage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You can prevent mold in your home<\/strong> with humidity controls and regular maintenance.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-common-types-of-molds-found-in-canadian-homes\">3 common types of molds found in Canadian homes<\/h2>\n\n\n\n<p>Molds are microorganisms that thrive in wet places. In nature, you might see mold on rotting logs or dewy leaves, but they can also show up in your home, especially in damp or humid areas like bathrooms or the laundry. In fact, more than <a href=\"https:\/\/www.toronto.ca\/community-people\/health-wellness-care\/health-programs-advice\/mould\/\" target=\"_blank\" data-dig-id=\"LP-Uncategorized-41649-c7522dce\" data-dig-category=\"LP-Uncategorized\" data-dig-action=\"link click\" data-dig-label=\"270 species of mold\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">270 species of mold<\/a> have been identified in Canadian homes.<\/p>\n\n\n\n<p>You\u2019ll want to watch for mold because its presence indicates moisture which can damage wood and other materials that go into building Canadian homes. It can also be a health hazard. Although some mold is completely harmless to humans, other types can cause mild or even serious health problems.<\/p>\n\n\n\n<p>Here are some <a href=\"https:\/\/www.ccohs.ca\/oshanswers\/chemicals\/iaq\/iaq_mould.html#section-2-hdr\" target=\"_blank\" data-dig-id=\"LP-Uncategorized-41649-03f628de\" data-dig-category=\"LP-Uncategorized\" data-dig-action=\"link click\" data-dig-label=\"common molds\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">common molds<\/a> to watch out for:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cladosporium<\/strong> is a fungus that shows up as velvety or powdery olive, brown, or black patches. You may have seen it on your window frames, but wallpaper and carpet are other likely locations that host this mold. Cladosporium can cause allergic reactions such as sneezing, sore throat, or coughing, and asthma flare-ups.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Aspergillus<\/strong> looks like powdery green or yellow patches and is usually found in warm and dusty spaces. Inhaling Aspergillus may cause aspergillosis, a lung infection that can trigger allergic reactions like skin rash, headache, blurry vision, or congestion.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Stachybotrys chartarum<\/strong> is commonly known as black mold due to its slimy dark-grey or black patches. This fungus grows on materials that include cellulose such as paper, drywall, and wood.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>There is broad agreement that all indoor molds can have detrimental effects, particularly for asthmatics or those with compromised immune systems.<\/p>\n\n\n\n<p>No matter the type of mold you might encounter, the insurance coverage rules are the same. If you discover mold in your home, consult a professional remediation specialist and your <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-HomeInsurance-41649-09c6aacd\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance advisor\" class=\"rbc-link-format\">RBC Insurance advisor<\/a> to discuss your coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-does-home-insurance-typically-cover-mold\">When does home insurance typically cover mold?<\/h2>\n\n\n\n<p>In general, your home insurance policy will pay for mold clean-up and repair if it results from a sudden, accidental, covered peril. \u201cCovered perils\u201d are specific events, named in your insurance policy, that could cause property damage. For example, fire, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/ten-ways-to-prevent-water-damage-to-your-home\/\" data-dig-id=\"LP-HomeInsurance-41649-09c6aacd\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"water damage\" class=\"rbc-link-format\">water damage<\/a>, or earthquakes could all be covered perils, meaning that they\u2019re named in your policy as circumstances that the insurer agrees to pay for.<\/p>\n\n\n\n<p>Mold likes moisture, so it could arise as a consequence of a burst pipe or an appliance leak. These events are typical covered perils in most <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/water-damage-what-am-i-covered-for\/\" data-dig-id=\"LP-HomeInsurance-41649-09c6aacd\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"water damage insurance\" class=\"rbc-link-format\">water damage insurance<\/a>, so you would be covered.<\/p>\n\n\n\n<p>Remember: To be covered, the mold must be the result of a covered peril listed in your insurance policy. <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" data-dig-id=\"LP-HomeInsurance-41649-09c6aacd\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Home insurance coverage\" class=\"rbc-link-format\">Home insurance coverage<\/a> and requirements may vary by province, so if you\u2019re in doubt, speak with your <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-HomeInsurance-41649-09c6aacd\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance advisor\" class=\"rbc-link-format\">RBC Insurance advisor<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-is-mold-usually-not-covered\">When is mold usually not covered?<\/h2>\n\n\n\n<p>In the examples above, the mold is a result of an accidental covered peril. Mold that\u2019s caused intentionally, or by gradual, preventable moisture is generally excluded.<\/p>\n\n\n\n<p>These are common exclusions when it comes to mold:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Slow leaks<\/strong>, like from a pipe inside the drywall, can lead to mold.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Condensation<\/strong> can build up in certain humid areas of the home such as the bathroom or the laundry room, and if left untreated, mold may take hold.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Poor ventilation<\/strong> allows humidity to build and can foster mold growth.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Groundwater<\/strong> refers to the moisture that can rise from the foundations of a home. Sometimes called <strong>seepage<\/strong>, this is usually excluded from home insurance policies, but it may be available as an add-on protection.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Long-standing dampness<\/strong> is often a named exclusion, and it refers to mold (and\/or rot or moisture) that gradually develops due to poor ventilation, slow leaks, or sub-standard property maintenance.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>The above conditions are often deemed foreseeable and therefore preventable. As a homeowner, it\u2019s your responsibility to maintain your home and your insurance won\u2019t reimburse you for costs arising from neglecting your maintenance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-do-if-you-find-mold-in-your-home\">What to do if you find mold in your home<\/h2>\n\n\n\n<p>If you discover mold in your home, your first task is to determine what caused it. If the cause is a named condition (start by checking your <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/water-damage-what-am-i-covered-for\/\" data-dig-id=\"LP-HomeInsurance-41649-09c6aacd\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"water coverage\" class=\"rbc-link-format\">water coverage<\/a>), the removal of the mold and any repairs may be covered as well.<\/p>\n\n\n\n<p>If you think you have a legitimate claim for mold, here are the tasks to take care of the problem.<\/p>\n\n\n\n<p>The steps for making an insurance claim for mold aren\u2019t complicated, but you will need to be organized.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Document the damage.<\/strong> Take photos and\/video of the mold and take note of any evidence of what caused it. If you bring in an expert like a plumber or builder, have them document their diagnosis.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Contact your insurer right away.<\/strong> Some policies have strict guidelines about the timing of a claim.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Clean up the damage as quickly as possible.<\/strong> Aim to dry out the area within 24 to 48 hours because the longer moisture is left alone, the more likely it will rot materials and host indoor mold.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Keep all your receipts.<\/strong> You may need to show them for your insurance claim.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Once your claim is with your insurance company, they will assign an adjuster. An insurance adjuster is basically the insurance company\u2019s investigator. Their job is to gather all the facts of the incident that led to your claim and check them against your insurance policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-prevent-mold-in-your-home\">How to prevent mold in your home<\/h2>\n\n\n\n<p>Mold loves moisture. If your home is humid, you\u2019re much more likely to have to deal with mold. Here are some steps you can take to <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/ten-ways-to-prevent-water-damage-to-your-home\/\" data-dig-id=\"LP-HomeInsurance-41649-09c6aacd\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"prevent water damage\" class=\"rbc-link-format\">prevent water damage<\/a> and make your home environment less appealing to mold:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Use an HVAC. Heating, ventilation, and air conditioning systems let you control humidity\u2014along with temperature and air quality. Indoor humidity should be between 30 and 50 per cent. A portable dehumidifier is a low-cost alternative but be aware that these are only effective in one room at a time.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Use exhaust fans in kitchens and bathrooms when cooking or showering.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Regularly inspect your appliances including all pipes, hoses, and valves. Replace aging parts as soon as you detect them.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Avoid indoor carpeting, especially in kitchens or bathrooms where they\u2019re likely to get wet. Carpets can trap moisture and become cozy hosts for mold.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Properly seal your windows so moisture doesn\u2019t creep in.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Clean your gutters. Leaves and other organic debris can clog your gutters which become an ideal breeding ground for mold.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Consider a moisture barrier membrane for your roof.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Maintain your plumbing and fix any leaks immediately. Consider placing a small water alarm under your sinks. These units set off a siren if they detect moisture and are an effective early warning system.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Double check your foundation for seepage and ensure that water flows away from your house.&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Regular maintenance is the best way to avoid both mold and claim denials.<\/p>\n\n\n\n<p>Mold is a tiny organism that can cause big problems. Protect your home and your health with regular maintenance and act fast if it appears. <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-HomeInsurance-41649-09c6aacd\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Speak to an RBC Insurance advisor\" class=\"rbc-link-format\">Speak to an RBC Insurance advisor<\/a> today to learn more about your coverage or to adjust your policy. Note that specific coverages and exclusions vary by province and policy. Review your certificate of insurance for complete details.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b section-ads\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-home-insurance\">RBC Home Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Protect your home from the unexpected<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H21&amp;Lang=EN\" data-dig-id=\"LP-11914-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H21&amp;Lang=EN \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" data-dig-id=\"LP-280-0876daf7\" data-dig-category=\"LP\" data-dig-action=\"link click\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-12729-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Wondering if your home insurance covers mold? Find out which mold claims are covered, what&#8217;s excluded, and how to prevent and handle mold in your home.<\/p>\n","protected":false},"author":208,"featured_media":41652,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":true},"categories":[48],"tags":[24,13,14],"article-type":[80],"ppma_author":[207],"class_list":{"0":"post-41649","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-home-insurance","8":"tag-home","9":"tag-home-insurance","10":"tag-home-maintenance","11":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Does Home Insurance Cover Mold? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Wondering if your home insurance covers mold? 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