Your Flood Claim Is Separate
A typical homeowners policy does not cover outside water that rises into the house. Coverage usually comes through an NFIP policy or a private flood policy, so call your agent to confirm what you actually have. Either way, the adjuster will want proof of what was damaged before it left the house.
The contractor's photo log, moisture readings and a room-by-room list of discarded items all help your claim move. Request copies of all of it when the work wraps up. If no adjuster has come out yet, check with your carrier about starting cleanup, because weeks of wet walls only grow the damage.
Dispatcher tip: Snap a picture of the waterline on the wall and save a small square of carpet and pad before anything is hauled away. Flood adjusters request both on almost every claim.