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

https://express-multiunit-near-stfrancis.zenbloomer.com/posts/water-damage-repair-costs-range-from-1-500-to-15-000-depending-on-square-footage-and-equipment-hours

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