Fungal colonization begins within 24 to 48 hours of flooding, requiring immediate photographic evidence for claim approval

https://express-insurance-near-phillips66-austinbluffs.swiftnestly.com/posts/verifying-complete-dryness-determines-whether-your-insurance-claim-gets-approved

Mold begins growing within 24 to 48 hours after a flood, which is why immediate cause-of-loss documentation and photographic evidence sequencing are critical to securing your insurance claim approval