answer:I don’t think I would wait to find out. I think insurance should cover fixing the damage. If black mold gets in—well, you probably already know how bad that is. I would think it could arrive in a few months. I have a sink in my basement where the water from the clothes washer drains. There’s usually a coating of water there, and every few months or so, the mold gets populous enough that I can smell it upstairs, and I have to go clean it out. I don’t know what kind of mold it is, but it goes when I clean it.