Out of concern for the family and mold in the home; combined with potential liability; as well as continuing damage to the property Larry the Landlord, arranged for Certified Air to attend the property with a Mold Specialist. Steve Herzog from Certified Air, an indoor air specialist arrived with moisture sensors, Infra Red Readers and sample of Liters of air samplers for the labs to analyze.

The mold has indeed proven to be the toxic variety that needs to be removed by gutting drywall and framing in the basement, rewiring, removal of broadloom and flooring and baseboards. The repair will require the removal of the tenants for the duration of the repairs. That would constitute an eviction and actionable for damages. LTB Tribunal Form N5

Let’s Have the Home Insurance pay!

UMMmm ..No. There are specific riders that are required in your insurance riders that must stipulate damage or liability by/of tenants. The Insurance Company’s mission is to deny coverage of a claim wherever possible (to protect shareholders).

“Most currently written policies contain exclusions to any mold claims except where caused by flooding. There must be a sudden damage event” said Dmytro Badiwsky with Humberview Insurance. He continued to add “..should have specifically declared as in a tenant liability package.”

Will the Landlord and Tenant Board protect the Landlord?

Will the Courts?

Who will indemnify the Landlord for loss of income during the repairs and ultimately the repairs expenses? David Pylyp