Nova Scotia

Insurance delays causing even bigger problems for N.S. homeowners trying to rebuild after Fiona

Two Nova Scotia homeowners say insurance delays after post-tropical storm Fiona are making damages to their homes worse.

Cape Breton mother says her children developed coughs from mould in their damaged home

A mother and her two young children are seen smiling in front of their yellow home.
Angela Soltesz blames the mould growing in her house in Howie Centre, N.S., near Sydney, on the long wait for help from insurance after storm damage in September 2022. (Josefa Cameron/CBC)

Cape Breton's Angela Soltesz says her insurance company still hasn't completed repairs to her home in Howie Centre, N.S., more than three months after it was damaged by post-tropical storm Fiona.

Now mould is growing in her house and she and her children developed nasty coughs because of it.

"It's been stressful every day. I've been losing sleep. I've been worrying about the kids all the time, I don't really worry about myself and mainly worry about them," she told CBC News in an interview. 

Soltesz, a single mother of two, works at Coxheath Elementary in the after-school and daycare programs.

Getting action from Intact Insurance has been time-consuming and exasperating, she says, although the company recently apologized for the delay after being contacted by CBC and agreed that repairs will begin this week. 

"You're trying to concentrate at work and you're just thinking in the back of your head, what if things get worse? I wouldn't wish this on anybody — the stress and the heartache," she said. 

Small black spots of mould are seen on a white ceiling, surrounded by water damage.
Soltesz and her children are living with mould while they wait for help from her home insurance company. She says they have nowhere else to go because of Sydney's housing shortage. (Submitted by Angela Soltesz)

Soltesz said she was prepared for the storm when Fiona hit, but she wasn't prepared for the aftermath of endless waiting. She called Intact Insurance right away after rainwater came through her roof and her basement flooded during the storm. 

Then she initially took matters into her own hands, found a roofing repair company thanks to her brother, and paid upfront from her own pocket. Intact partially reimbursed her, but she paid around $2,000 in total.

The bill was a painful hit, she said, especially shortly after Christmas as a single mother. 

A husband and wife are seen standing in their kitchen, smiling.
Leonard Joseph Wall and his wife Amanda Wall have lived in their home in North Sydney for 30 years but are now afraid they'll lose it because of the damage. (Submitted by Leonard Joseph Wall)

But she said that when she called, she is always sent to an answering machine. When she used the emergency line, she was told that they usually don't deal with mould.

But Soltesz said Wednesday she has now a promise that the mouldy material will be removed. 

"This would not have happened if things had been taken care of when they should have been taken care of and not put on the back burner for so long," she said. 

Now, her attic is teeming with spores and mould is visible in multiple spots on the ceiling. 

An environmental worker assessed her house last week. He told her that because the roof wasn't taken care of in time, every time it rained, snowed or the temperature changed, it caused spores to form inside the house

She believes the walls will have to be torn down and rebuilt.

"In my personal opinion, that shouldn't come out of my pocket because this was not my fault. I have been on the phone with them from day one of Fiona," she said. 

For health reasons, some people are telling her not to live in the house. 

"I did have one professional tell me that as long as you do not try to scrub or touch the mould, it will not become airborne. So I'm trying to go with that. But at the same time, I'm nervous, it's very stressful."

If the walls need to be torn down, she and her children will likely stay in a hotel or motel nearby, which she hopes insurance will cover, because they don't have anywhere else to go. 

"So it's coming to the point [where] it's hard to trust anybody anymore, you want to believe that you're important. You pay insurance every single month for, oh my goodness, for a long time. So you expect to get help when you need it," she said. 

Soltesz has a message to insurance companies, "if they can't help, just be honest with the customers, don't say, 'Oh, you're on our priority list.'" 

We are looking into the situation and will reach out to the customer directly.- Intact Financial Corporation

Intact Financial Corporation responded to requests for an interview, saying in an email statement that it is "committed to processing and settling claims with fairness, transparency, and consistency to help our customers get back on track."

The statement also said the company is "looking into the situation and will reach out to the customer directly."

Leonard Joseph Wall is in a similar situation. He and his wife, Amanda, have been living in their North Sydney home for 30 years. 

Wall works as an electrician. During the storm, plywood tore off a corner of the house, exposing the roof to the storm. The wind pushed the insulation to the basement. 

Dusty mould is seen on the wooden ceiling of an attic.
Mould growing in Soltesz's attic. (Submitted by Angela Soltesz)

Wall was insured with Bluenose Insurance, which was bought by Intact Financial Corporation in late November. 

He says the damage was repairable, and he had contractors ready to work. But the company told him not to do anything until one of their representatives assessed the damage, and it's been over three months. 

Now, mould is growing in the basement and walls and the ceilings are ready to fall down. 

"Before, it was a little bit of damage. I could deal with that. But now, I got mould in my home, I said, 'Guys, someone's got to get here. Someone's got to tell me to do something,'" he said.

Mould is seen growing on the wooden beams of a basement.
Mould is growing in the basement and on the walls of the Wall's house. (Submitted by Leonard Joseph Wall)

He said one assessor came to the property but did not step inside the house but he hasn't heard back. 

"They promised me they'd be here. I haven't seen another soul or e-mail or phone call from anyone."

"I think it's going to turn into one of the biggest nightmares me and my wife has ever gone through. I know it's going to," he said.

Wall said he pays $414 per month on insurance coverage of up to $300,000 on his house. He said if things get worse, they may have to move which would be brutal financially and emotionally. 

"This [home] is all my kids and grandkids know." 


Josefa Cameron

Associate producer/reporter

Josefa is an associate producer and reporter at CBC Nova Scotia. You can reach her at


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