Aviva Canada Mold Coverage
Nope
CanadaRead Nov 12 2026
Aviva Canada
- Covered
- Some sudden water damage, like a burst pipe, may be covered even by a basic policySource, insurer page
- Excluded
- Aviva says mould is not typically covered because it grows slowly and can be preventedSource, insurer page
- Mold cap
- None printed on our sources
Aviva Canada says home insurance does not typically cover mould because it grows slowly and can be prevented. Sudden water damage such as a burst pipe may be covered.
Insurer website aviva.ca
What Is Covered
Some sudden water damage, like a burst pipe, may be covered even by a basic policy.
like a burst pipe, may be covered even by a basic insurance policy
What Is Excluded
Aviva says mould is not typically covered because it grows slowly and can be prevented.
Mould is usually caused by water damage and, because it's slow-moving and preventable, home insurance doesn't typically cover it.
Conditions You Have To Meet
Aviva advises that mould be handled by professionals if it appears.
If it does occur, mould should be dealt with by professionals.
How To Make A Claim
Property claims can be sent online or by phone at any hour.
Call 1-866-692-8482
Before You Call Aviva Canada
- Stop the water and take dated photos before anything is moved.
- Find the mold or fungi wording and any mold limit on your own policy and declarations page.
- Report the claim quickly, since late notice is a common reason claims are denied.
- Keep receipts for drying and repairs you have to do to stop more damage.
Rules That Apply In Canada
Further Reading
- Does homeowners insurance cover water damage, for the sudden versus gradual line most mold claims turn on.
- How fast mold grows after water damage, for the EPA 24 to 48 hour drying window.