Response-time standards reveal the 24-48 hour window for microbial colonization after flooding
https://express-family-safe-water-damage.theglensecret.com/policy-language-separates-water-damage-from-flood-damage-coverage-in-colorado-springs
Mold grows remarkably fast after a flood, and response-time benchmarks from the IICRC S500 standard establish that microbial colonization can begin within 24 to 48 hours of water exposure