Coverage gaps emerge within 48 to 72 hours as microbial contamination shifts from insured loss to homeowner liability

https://express-professional-colorado-springs.evergrovio.com/posts/benchmark-drywall-water-damage-detection-costs-range-from-8-to-25-per-square-foot

Insurance typically covers sudden water damage from burst pipes or storms, but coverage diminishes once microbial growth begins