TD Insurance Mold Coverage

Nope

CanadaRead Nov 12 2026

TD Insurance

Covered: When covered water damage comes from a broken pipe, the policy pays up to $1,000 to fix that section of pipeSource, policy form
Excluded: Damage from dampness, condensation, rot, fungi or spores is excluded as gradual damageSource, policy form
Mold cap: None printed on our sources

Stamps read the sourced lines about mold after a sudden leak. Covered means a line says so. Maybe means the line hedges, with words like may or limited. Nope means the lines we found only exclude it.

The TD homeowner policy defines fungi to include any mould or mildew and lists fungi, dampness and condensation under its gradual damage exclusion. Water from leaks that go on or repeat is also excluded.

4 lines, each checked against its source on November 12, 2026.

Insurer website tdinsurance.com

What Is Covered

When covered water damage comes from a broken pipe, the policy pays up to $1,000 to fix that section of pipe.
We will pay up to $1,000 to repair or replace the damaged section of pipe
TD Insurance homeowner policy wording, policy form, read 2026-11-12

What Is Excluded

Damage from dampness, condensation, rot, fungi or spores is excluded as gradual damage.
Loss or damage caused by rust, corrosion, dampness, condensation, extremes of temperature, wet or dry rot, fungi or spores.
TD Insurance homeowner policy wording, policy form, read 2026-11-12
Water damage from a leak or overflow that goes on or keeps happening is not covered, even if you did not know about it.
Loss or damage caused by water originating from continuous or repeated escape, overflow or backing up of water, whether or not you were aware
TD Insurance homeowner policy wording, policy form, read 2026-11-12

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
TD Insurance homeowner policy wording, policy form, read 2026-11-12

Before You Call TD 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

Insurance Bureau of Canada