a bad idea when
everyone wants it done FAST.
3 years ago I did a flood restoration to a simple 1 room/1 bath 25'x25' slab on grade bachelor apartment. It took a lot of convincing for the owner to agree to let the 4 industrial extractors and 6 industrial fans run well beyond what he thought was good enough. These rental units were costing him about $600 per day...and the owner was paying the whole bill: no insurance.
The machines ran 4 days longer...the owner later thanked me for looking after his interests.
I can imagine an insurance company would pressure a restoration contractor to cut costs at every turn, to the homeowner's detriment.
Anyhow, post a major flood event, don't many homeowners put their fleshly restored homes up for sale? Once the home is sold, a mould bloom is not the (original) insurance company's problem. The problem simply gets passed on to new players, who then get to litigate the matter at additional costs to society.
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