Mold In Fan Coils: Causes, Risks, & Solutions – Toronto & GTA

Mold growth in fan coil units (FCUs) is a growing concern in Toronto condominiums, impacting air quality, property values, and residents’ health. If mold is discovered in condos, proper remediation is essential to prevent further contamination. Removal & replacement if left unchecked, it can lead to costly repairs and legal implications such as costly water damage to the suite below. In this article, we break down the causes of FCU mold growth, its risks, and the best strategies to prevent and remediate the issue effectively.

Why Do Fan Coil Units Develop Mold?

FCUs are widely used in high-rise condos across Canada, providing heating and cooling through a system of coils. However, their design makes them prone to condensation buildup, creating an environment where mold thrives. Here’s why:

  • Excess Moisture & Humidity – The cooling and heating cycles produce condensation, which, if not properly drained, leads to moisture buildup inside the unit.
  • Poor Airflow & Ventilation – The enclosed cabinet of the FCU limits air circulation, trapping humidity and encouraging mould growth.
  • Aging Materials – Older units often contain fibreglass insulation, which degrades over time, providing an ideal surface for mould to develop.
  • Lack of Maintenance – Without regular cleaning, filter changes, and inspections, mold can spread unnoticed inside the unit.

Health Risks of Mold in Fan Coil Units

If mould develops in an FCU, it can circulate through the air, leading to serious health concerns:

  • Respiratory Issues: Exposure to airborne mould spores can cause coughing, wheezing, and shortness of breath.
  • Allergic Reactions: Symptoms include sneezing, itchy eyes, and skin irritation.
  • Toxic Exposure: Long-term inhalation of mould particles can worsen asthma and lead to chronic lung infections.
  • Fibreglass Exposure Risks: In older FCUs, deteriorated fibreglass insulation can release airborne particles, which may cause skin rashes and respiratory irritation.

Who is Responsible for Fixing Fan Coil Mold Issues?

Determining responsibility for mould remediation in condominiums can be a grey area. Here’s what typically applies:

  • Common Area vs. Individual Unit: If the mould originates from shared infrastructure, such as a faulty riser pipe, the condo corporation may be responsible. If it’s isolated within a unit, the owner may bear the cost.
  • Unit Owner Responsibilities: Failing to maintain the FCU—such as neglecting filter changes—may place the remediation responsibility on the owner.
  • Legal Risks: Ignoring mould growth can lead to legal disputes, insurance claims, and costly repairs for both unit owners and property managers.

How to Prevent Mould in Fan Coil Units

The best approach to mold is prevention. Condo boards, property managers, and unit owners should implement these proactive measures:

1. Schedule Annual Fan Coil Maintenance

  • Have a professional clean and inspect the unit at least once a year.
  • Replace filters regularly and apply anti-microbial treatments to prevent mould growth.

2. Monitor Humidity & Airflow

  • Maintain indoor humidity levels between 30-50% to prevent excessive moisture buildup.
  • Ensure air vents are unobstructed for proper airflow.

3. Check for Water Leaks & Rust

  • Inspect riser pipes and drain pans for leaks, as standing water accelerates mould growth.
  • Replace rusted drain pans to avoid moisture accumulation inside the unit.

4. Conduct Air Quality Testing

  • Annual air sampling can detect early signs of mould growth.
  • If mould is found, hire a certified mould remediation specialist for further assessment.

5. Consider Upgrading Old Fan Coil Units

  • Fan Coil units typically last around 20 to 25 years. Older units with deteriorating insulation are more likely to develop mold issues.
  • Replacing outdated Fan Coil Units with modern, modular systems can eliminate existing mould and improve overall efficiency.

What to Do If You Find Mold in Your Fan Coil Units

If mold is discovered, proper remediation is essential to prevent further contamination. A professional remediation process usually includes:

  1. Isolating the Work Area – Tenting & containing the affected space to prevent mold spores from spreading.
  2. Removing Contaminated Materials – Replacing insulation, air filters, and other mold-affected components.
  3. Thorough Cleaning & Disinfection – Using industry-approved solutions to eliminate all traces of mold.
  4. Upgrading to Mold-Resistant Materials – Installing closed-cell foam insulation, which resists moisture and mold growth.

The Cost of Ignoring Mold Issues

Delaying mould remediation can result in major financial and legal repercussions:

  • Higher Insurance Premiums: Frequent claims related to mould damage can increase costs for the entire building.
  • Decreased Property Value: Buyers may avoid units with unresolved mould issues, leading to lower resale prices.
  • Legal Disputes: Tenants or owners may take legal action against property managers for failing to maintain safe living conditions.
  • Expensive Repairs: Unchecked mould can spread and require full FCU replacements, significantly increasing costs.

Mould Disclosure in Condo Status Certificates

Condo boards are required to disclose known mould contamination in the status certificate provided to potential buyers. If FCU mould problems exist, transparency is key to avoiding legal complications. Similarly, if a full FCU retrofit has been completed, this should be disclosed, as it adds value to the property and reassures buyers of improved air quality and efficiency.

Final Thoughts: Take Action Against Fan Coil Mold Growth

Mold growth in fan coil units isn’t just an inconvenience—it’s a serious issue that affects air quality, resident health, and property values. The good news? With annual maintenance, regular inspections, and timely remediation, you can prevent costly repairs and keep your condo’s HVAC system in peak condition.

For professional fan coil maintenance, mould inspections, and FCU retrofits in Toronto, Home Trade Standards is here to help. Get in touch with our experts today to ensure your condo’s HVAC system remains clean, safe, and efficient.


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