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

https://express-multiunit-near-stfrancis.zenbloomer.com/posts/rapid-response-within-48-hours-stops-amplification-and-saves-restoration-costs

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