Desjardins Mold Coverage
Nope
CanadaRead Nov 12 2026
Desjardins
- Excluded
- Damage caused by dampness or condensation is excluded as gradual damageSource, policy form
- Mold cap
- None printed on our sources
The Desjardins homeowner policy defines fungi to include any mould or mildew and excludes fungi, dampness and condensation as gradual damage. Water from leaks that go on or repeat is also excluded.
Insurer website desjardins.com
What Is Excluded
Damage caused by dampness or condensation is excluded as gradual damage.
Loss or damage caused by rust, corrosion, dampness, condensation
Damage caused by rot, fungi or spores, and repeated damage, is excluded.
wet or dry rot, fungi or spores. (c) Repeated damage to property.
Water damage from a leak or overflow that goes on or keeps happening is not covered.
continuous or repeated escape, overflow or backing up of water, whether or not you were aware of such escape
Good To Know
The policy word fungi includes any kind of mould or mildew.
Fungi includes, but is not limited to, any form or type of mould, yeast, mushroom or mildew whether or not allergenic, pathogenic or toxigenic
Before You Call Desjardins
- 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
- Mold after water damage, a timeline, for why the first two days decide most mold jobs.
- Choosing a restoration company, for what to ask a crew before you sign.