Travelers denied mold remediation after a slow leak - they covered the pipe repair but nothing else. Anyone fight this and win?

Discovered a slow leak under our kitchen sink about three weeks ago. Cabinet base was soft, drywall behind it was black, and we ended up tearing out a section of the floor too. The plumber said the supply line had been seeping for "months at least." Travelers sent an adjuster out within 4 days which i appreciated.

Here's the catch. They approved the plumbing repair (about $850) but denied the mold remediation quote we got ($6,400) and the floor/cabinet rebuild ($11,200). The denial letter cites the "long-term seepage" exclusion and a $5,000 mold cap that we apparently have on the policy. I called and the rep said because the leak happened gradually it falls under the maintenance exclusion not the sudden and accidental coverage.

I dont remember anyone explaining a mold cap when we signed up, and looking at our declarations page i cant tell where it says $5,000. We're in Virginia. Has anyone successfully argued that a hidden leak under a sink should be treated as sudden/accidental even if it happened over weeks? Im sitting on a $17k bill that we cant easily eat and wondering if a public adjuster or attorney is the right move here.