Response-time standards reveal the 24-48 hour window for microbial colonization after flooding
https://express-certified-near-gardenofthegods.quillnesty.com/posts/without-mold-coverage-your-water-damage-protection-expires-in-hours
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