Is Mold Damage Covered by a Standard Home Insurance Policy?

It depends on what caused the mold. As a general rule, Ontario insurers distinguish between mold that resulted from a sudden, accidental, covered event and mold that developed gradually, which is typically excluded. This table is a general guide only — always confirm the specifics with your own insurance provider or broker. Type of Mold Damage Usually Covered by a Standard Policy? How to Make Sure You're Protected Mold from a sudden event, such as a burst pipe or appliance failure Often yes, since the underlying water damage is typically covered. Report and remediate quickly — most policies require prompt notice and mitigation to keep coverage intact. Mold from a sewer back-up Only with a sewer back-up endorsement added to your policy. Confirm you carry a sewer back-up endorsement, since it's rarely included by default. Mold from overland flooding, such as heavy rain or surface water Only with overland water coverage added to your policy. Confirm you carry overland water coverage, particularly if your property is in a flood-prone area. Mold from gradual leaks or long-term moisture Usually no — treated as a maintenance issue. Address minor leaks and humidity promptly; routine inspections can catch problems before they become exclusions. Pre-existing mold not disclosed at time of purchase No — pre-existing conditions are excluded. Have a professional mold inspection done before purchasing a property.

Does DC Premier Construction Help With the Insurance Process?

Yes. From the initial assessment report through to working alongside your adjuster, we help document the damage and align our remediation scope with what your policy covers, for mold, flood, and sewer back-up claims alike.

Where Can I Find More on Flood Insurance Claims?

Our Flooding page walks through the full seven-step basement flood insurance claims process in Canada, along with links to further reading from the Insurance Bureau of Canada and other trusted sources.

Home Renovations by Trade & Room | DC Premier Construction

Renovation Services

Renovations by Trade and Room

DC Premier Construction handles renovations, upgrades, and full-scale transformations across every trade and every room in your home.

By Trade

Our trades cover everything from mechanical systems to finishing work:

HVAC

Installation, repair, and maintenance of heating and cooling systems.

Electrical

Rewiring and service upgrades, including electrical panel upgrades
Pot lights and outlets
EV chargers
Heat tracing, heated driveways, and garage heating solutions

Plumbing

Whole-house plumbing and maintenance
Declogging
Toilet, vanity, and shower installation, including rough-ins and finishes
Bath tubs and water fixture caulking
Specialty fixture installations
Weeping tile and sump pump installations

Drywall

Full drywall installations including drywall, taping, and sanding
Bulkheads
Repairs

Carpentry

Doors, framing, walls, and stairs, including full house framing
Trim installation, window and door casings
Decks and fences
Fine carpentry and millwork — cabinetry for kitchens and garages, islands, and more

Flooring

Hardwood, laminate, and tile
Epoxy flooring for garages

Masonry & Concrete Formwork

Brick and mortar, and concrete blocks
Concrete forming for foundations
Underpinning and foundation repair

Windows

New window installations, including double and triple pane
Shatter-resistant windows, window cages, and laminated protection
Caulking exterior windows
Sidelites for entrances

Insulation

Installation and removal
Spray foam insulation for attics, basements, crawlspaces, and garages
Fibreglass, Rockwool, and blown-in insulation for attics
Rigid insulation for foundation walls, roofs, and garages

Roofing

Roof repairs and replacements, in metal or shingle
Soffits, facias, gutters, and downspouts
Attic insulation

Landscaping

Interlock, including poured concrete, stamped concrete, paver, and gravel walkways
Patio refinishing
Decks, fences, and outdoor lighting or light posts

Exteriors

Facades — brick finish, brick veneer, wood/vinyl siding, and stucco
Railings

Security

Vehicle auto bollards, metal fencing, and steel gates
Wifi-enabled cameras and monitoring (CCTV)
Reinforced windows and doors
Home alarm systems

By Room

Prefer to think room by room? Here's what we cover:

Attics

Insulation and ventilation
Conversion to storage space

Bathrooms

Vanities, sinks, and specialty fixtures
Showers, tile or pan, rough-ins, and baths
Toilets and tiling
Lighting control, exhaust fans, and timers
Heated flooring and heated towel holders

Basements

Framing, lighting, and insulation
Rough-ins for electrical and plumbing
Sump pumps and moisture control
Flooring
Foundation repairs and underpinning
Water leak detection, assessments, and repairs

Bedrooms

Light fixtures, insulation, and ceiling fans
Lighting controls — manual switches/dimmers or smart switches
Flooring and storage closets
Heating and baseboards
Rough-ins for electrical and plumbing

Dining Rooms, Living Rooms & Kitchens

We handle full renovations for these spaces as well — from flooring and lighting to custom cabinetry and layout changes. Get in touch to discuss your specific project.

Garages

Epoxy flooring
Tool organizers, storage, and shelving

Have a renovation in mind? Contact us to discuss your project or request a detailed quotation.

Renovations & Upgrades