Water and mould damage in Toronto gets worse with time. The first 48 hours decide whether the job is drying and cleaning, or tearing out finishes.
Restoration in Toronto covers water damage and mould: finding the source, drying the structure, removing materials that cannot be saved, cleaning what can be kept, and recording every step. This guide sets out what to do first, how a restoration is sequenced, what to keep for your insurer, and how to start. We restore water and mould damage. We do not do fire rebuilds, which are a separate service.
Key takeaways
- Stop the water source first. Drying alone does not fix a leak that is still running.
- Mould can begin to grow within 24 to 48 hours on materials that are not dried (University of Toronto Environmental Health and Safety).
- Health Canada advises discarding carpets, sofas, cushions, mattresses and bedding that got wet, and it advises against bleach for cleaning mould.
- Keep indoor relative humidity between 30 and 50 per cent to limit mould growth (Health Canada).
- Document the damage before anything is moved. Your insurer and the restoration scope both need the record.
- Higher-risk people, including infants, children, seniors, pregnant people and people with asthma, should stay out of the work area.
1. Is water still coming in, or is the area still wet?
2. Is there visible mould, or a musty smell that has come back?
3. Has it been more than 48 hours since the water or damage happened?
Table of contents
- How a water and mould restoration runs with us
- What should I do first after water or mould damage?
- How long do I have before mould starts?
- What items should be thrown out after water damage?
- How is water damage dried in a Toronto home?
- How is mould removed safely?
- How do I know if I have a mould problem?
- Will my home insurance cover water damage in Toronto?
- What should I keep for my insurer?
- What affects the cost of water and mould restoration?
- How do I choose a restoration team in Toronto?
- When should I call a restoration team?
- Frequently asked questions
- Sources
- Related services and guides
How a water and mould restoration runs with us
Every restoration follows the same sequence, and each stage is checked and recorded before the next one starts. The scope names the source, the materials, the drying targets and the schedule, so the work and the paperwork match.
- Find and stop the source. Confirmed before any drying or cleaning.
- Scope and drying plan. Written, with target readings for each area.
- Removal and containment. Materials that cannot be saved are removed and recorded.
- Drying and cleaning. Monitored against the plan, with readings taken on a schedule.
- Verification and handover. The area is checked, and you receive the full record.
What should I do first after water or mould damage?
The first steps protect the people in the home and stop the damage from spreading. Do them in this order.
- Stop the source. Shut off the water supply or the appliance, or call a plumber or the utility for a sewer backup.
- Keep people safe. Keep higher-risk people out of the area, and turn off power to wet areas if there is any risk of electrical contact.
- Document. Take dated photos and video of the damage, the source and the affected materials before anything is moved.
- Start drying. Open the area, run fans and dehumidification, and remove wet contents where possible.
- Call the restoration team. The scope and the drying plan are written before the main work starts.
How long do I have before mould starts?
Mould can begin to grow within 24 to 48 hours on building materials and contents that are not dried, according to University of Toronto Environmental Health and Safety guidance. The CAUT fact sheet on mould recommends timely remediation of water leakage within 48 hours. That window is why drying starts first, even before the full scope is written.

What items should be thrown out after water damage?
Health Canada advises discarding carpets, sofas, cushions, mattresses and bedding that got wet, because they are hard to clean and dry fully. Porous materials that stayed wet, such as insulation and soft drywall, usually cannot be saved either.
- Carpet and underlay that stayed wet.
- Upholstered furniture, cushions and mattresses.
- Bedding and stored paper that was in the water.
- Insulation and drywall that is soft, crumbling or deeply stained.
Keep a list and photos of anything removed. Your insurer may ask for it.
Restoration is not finished when the water stops. The area has to be dried to target readings, and the materials that cannot be saved have to be out, before any repair starts. Skipping that step is the usual reason damage returns behind new finishes.
How is water damage dried in a Toronto home?
Drying removes water from the structure and the air until the materials reach a safe moisture level. It uses air movers, dehumidifiers and, where needed, the removal of wet finishes so the cavity can dry. Health Canada recommends keeping indoor relative humidity between 30 and 50 per cent to limit mould growth.
Drying is measured, not guessed. A written drying plan states what is being dried, the equipment, the target levels and the checks along the way.
How is mould removed safely?
Mould removal is done in controlled steps. Health Canada advises against using bleach to clean mould. For washable surfaces, an unscented soap solution is the recommended approach, and porous materials that are heavily affected are replaced rather than cleaned.
Protective equipment
Health Canada lists the minimum equipment for cleaning mould as safety glasses or goggles, a disposable N95 respirator, and gloves.
The cleanup sequence
- Discard the materials that cannot be saved.
- HEPA vacuum the area before wet cleaning.
- Clear the wet areas of contents.
- Dry the area fully.
- Isolate the area while the work is done.
- Seek a professional where the growth is large, hidden or returns.

How do I know if I have a mould problem?
Mould is not always visible. Watch for a musty smell that does not go away, staining on walls or ceilings, peeling paint, warped flooring, and symptoms in the people living in the home that get better when they leave the house.
A professional inspection can check behind walls and under flooring, and the findings are written into the scope so the work is planned on evidence.
Will my home insurance cover water damage in Toronto?
It depends on your policy and the cause. Sudden water damage is often covered, but sewer backup and some outside water sources may be covered only under separate or limited terms. Read your policy and ask your insurer for their written position.
For context, the Insurance Bureau of Canada, through Insurance-Canada.ca, reported in 2012 that water damage costs insurers about $1.7 billion a year. That figure is dated and is shown for context only.
What should I keep for my insurer?
- Dated photos and video of the damage, the source and each affected item.
- A list of what was removed, with approximate age and condition.
- The restoration scope, the drying plan and the daily readings.
- Invoices, receipts and any emails about changes or approvals.
- The final record and photos from handover.
What affects the cost of water and mould restoration?
We do not publish a price on this page. The cost depends on the source, the area affected, how much has to be removed, the drying time and equipment, and whether mould testing or remediation is needed. A written scope lists each of those, so the price is built on the work.
How do I choose a restoration team in Toronto?
Look for a team that gives a written scope before work starts, names one lead on site, explains how the source will be found and stopped, and provides photo and document records at handover.
- A written scope with each item named.
- A drying plan with target levels and checks.
- One accountable lead on site.
- Records at each stage, and a full record at handover.
See our water damage restoration and mould remediation services.
When should I call a restoration team?
- The water came from a sewer backup, a broken pipe or outside seepage.
- The affected area is larger than a small patch, or reached walls or floors.
- There is a musty smell, staining or peeling paint after the first day.
- Someone in the home is at higher risk, or has symptoms.
Next step: book a free site visit. We find the source, record the damage and put the drying and restoration plan in writing before any work starts.
Frequently asked questions
Can I clean mould myself?
Small, surface-level areas can be cleaned with care, using an unscented soap solution, protective equipment and no bleach. Larger areas, hidden growth and repeat growth need a professional.
Is all mould dangerous?
Not every mould is a health risk, but mould can affect people with allergies, asthma, weakened immune systems, and infants, children and seniors. Treat it as both a health and a property issue.
Do I need to move out?
Not always. It depends on the size of the area and the people in the home. Higher-risk people should be kept away from the work area.
How do I know the area is dry?
Moisture readings are taken against the target levels in the drying plan, and the record is handed over at completion.
Do you do fire damage?
Fire rebuilds are a separate service. Water and mould restoration are covered here. For fire, see our fire damage rebuilds page.
What do I receive at handover?
The scope, the drying and monitoring records, the photos at each stage, the disposal records and a walkthrough with your lead.
Sources
- University of Toronto, Environmental Health and Safety, mould guidance: ehs.utoronto.ca/mould (24 to 48 hours).
- CAUT fact sheet on mould: bulletin-archives.caut.ca (48-hour response; humidity guidance).
- Health Canada, mould and water damage guidance: discard wet carpets, sofas, cushions, mattresses and bedding; avoid bleach; humidity 30 to 50 per cent; cleanup steps; protective equipment; at-risk groups. Link to be confirmed by the owner before publishing.
- Insurance Bureau of Canada, via Insurance-Canada.ca, July 2012 (dated): water damage costs insurers about $1.7 billion a year.
Related services and guides
Find the source, dry, and restore, scoped in writing.Mould remediation
Containment, removal and clearance.Inspections
Air quality testing and written reports.
The Builders Plug
Call or text: (416) 639-1990
Email: info@thebuildersplug.ca
Hours: Monday to Friday 9am to 6pm, Saturday 10am to 4pm
Service area: Toronto and the Greater Toronto Area