Understanding the 80% Coverage Rule Before Selling Your Water-Damaged Home
https://expresswaterdamageblog.lucialpiazzale.com/coverage-gaps-emerge-within-48-to-72-hours-as-microbial-contamination-shifts-from-insured-loss-to-homeowner-liability
The 80% rule is an insurance principle that limits how much a carrier will pay on water damage claims if your home's replacement cost is underinsured