Intact Insurance Mold Coverage
Nope
CanadaRead Nov 12 2026
Intact Insurance
- Excluded
- Damage caused by rot, fungi or spores, bacteria or condensation is not coveredSource, policy form
- Mold cap
- None printed on our sources
The Intact homeowners broad form defines fungi to include any mould or mildew and excludes damage caused by fungi, condensation and long term seepage. Intact tells customers that mould can start growing within 48 hours of water damage.
Insurer website intact.ca
What Is Excluded
Damage caused by rot, fungi or spores, bacteria or condensation is not covered.
caused by rust, corrosion, wet or dry rot, fungi or spores, bacteria, condensation, acid rain or contamination
Water damage caused by seepage or leakage that goes on or repeats is not covered.
caused by continuous or repeated seepage or leakage of water
How To Make A Claim
Claims can be sent online or through the claims hotline.
Hotline 1-866-464-2424
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
Intact warns that mould can start growing in under two days after water damage.
Mould growth can start in less than 48 hours.
Before You Call Intact Insurance
- 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
- Choosing a restoration company, for what to ask a crew before you sign.
- Does homeowners insurance cover water damage, for the sudden versus gradual line most mold claims turn on.