What was actually dried
Fans in a room are not the same as drying. A provider should check framing, subfloor, the base of the drywall and the carpet pad, because those hold water long after the surface feels normal.
Mold after a leak is a drying problem before it is a cleaning problem. An independent provider should check what is still wet behind the finishes, remove what cannot be saved and dry the rest before anything is rebuilt.
Finished basements are the difficult case here. Carpet, pad, drywall and baseboard sit against concrete that stays cold, so a room can feel dry weeks after a December cold snap split a line or a spring thaw pushed water through a below-grade wall while the framing behind the wall is still holding water.

The scope follows the readings. An independent provider should separate material that has to leave the building from material that only needs drying.
Fans in a room are not the same as drying. A provider should check framing, subfloor, the base of the drywall and the carpet pad, because those hold water long after the surface feels normal.
Pad, wet insulation, swollen baseboard and paper-faced drywall that stayed wet generally leave. Framing, concrete and hard flooring are usually cleaned and dried in place.
Photos, readings and a written scope give you a clear record of the condition and the work. Whether an insurer accepts a claim is between you and them, and nobody here can promise that outcome.
Time matters more than people expect. Mold can start on wet material within a couple of days, so the sooner the water is out and the air is moving, the smaller the cleanup usually is.
Once the wet path is known, the cleanup follows the process on the mold removal page. If you are weighing how far to go, compare scopes in the removal versus remediation guide.
Our guide to mold after a flood or leak covers the first days, and an inspection puts numbers on what is still wet. Lower-lying communities such as Fountain see this most often after summer storms.
Often within two or three days on wet porous material, faster in a closed room. That is why drying should be treated as urgent even when nothing is visible yet.
The pad underneath and the drywall at the base of the wall hold water long after the carpet feels dry. A meter reading settles it in a few minutes.
That depends on your policy and the cause, and no contractor can promise an outcome. What helps is documentation: photos, moisture readings and a written scope. Ask the independent provider for those; see the contact page.
Not until the readings say the framing and slab edge are dry. New drywall over wet framing is the most common reason a basement grows mold twice.
Call and describe what you are seeing and where the water came from to reach an independent provider.