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

https://expressemergencywaterdamagecs.yousher.com/dehumidifiers-and-air-movers-reveal-whether-water-damage-becomes-permanent-in-72-hours

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