re: Seeking Advice on Homeowners Claim Issues

Thin set and tile do breathe, although slowly. After 35 days you still could have some moisture under the tile, but not directly where the plywood is exposed. Not trying to be a dick that’s just the way I see it, based on handling water leaks for 15 years and a couple of unfortunate run-ins with insurance claims.

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I’m a contractor and know how closed cell foam works, probably better than you do. If it is as you said, there should be no moisture issues after 5 weeks. Period.

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I'm an engineer, and I disagree with you!!! That stuff is trash unless you design your house around the foam insulation. I've seen closed cell foams cause rot in floor framing and subfloor materials in houses that are less than 3 years old. One of the biggest frauds sold to homeowners by shady contractors.

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If you fixed the leak over a month ago, there are NOT going to be any mushrooms growing out of your plywood subfloor...period.

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Not if the water from the leak is trapped between the subfloor and the foam insulation under it that he mentioned in his post. Water can stay in there for months on end.
I'm not sure about the viability of doing things before the insurance company gives approval, but in this case, I would either document everything with lots of pictures showing work being done, or call the adjuster back out to show him each piece of new damage as it's uncovered by your demo people.

Get rid of that foam crap as soon as possible. I've heard of and seen many stories just like this, where a small leak becomes a major renovation because the foam holds water in giving it nowhere to exit.

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So, IF it ends up that I now have a larger issue, my question is this: do I have a valid argument that their inactivity has exacerbated the problem, and thus my mold limitation should not apply?

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You should never have waited on insurance to get remediation done. You should have done it day one and then filed afterwards. At least that's what I do, frick waiting on adjusters, they have no skin in your house.

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I’m not sure why you’re waiting on someone else to tel you it’s ok to remove wet, damaged materials from your home like the post above.

You filed the claim immediately upon discovery (like you should have), then you should have removed the wet materials to the best of your availability as you have a duty to mitigate like another poster mentioned. I’m not sure why you didn’t remove anything other than thinking it may be detrimental to the claim. As long as you don’t throw any of the damaged materials away, they can still be inspected and shown to be damaged while your house starts to dry.