Fungal colonization begins within 24 to 48 hours of flooding, requiring immediate photographic evidence for claim approval
https://express-code-inspected-water-damage.tearosediner.net/before-filing-a-water-damage-claim-understanding-contamination-level-classification-matters
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