It comes down to what caused the mold. Growth traced to a sudden, covered water event, a burst pipe you reported and addressed, is typically reviewed as part of that claim. Mold that developed gradually, from humidity, an unreported slow leak, or deferred maintenance, is excluded under most Alberta policies. Where coverage exists, many policies cap the mold portion, and the caps vary enough by insurer that it is worth reading your policy before you need it.
The practical takeaway: how you respond to a water event today decides whether next year’s mold is claimable. Same-day professional drying both prevents the mold and creates the paper trail showing you acted responsibly. Nonstop Restoration documents cause of loss and mitigation timeline on every job, which is precisely the evidence an adjuster weighs when connecting mold back to a covered event. Bring us in early and that conversation gets much easier.