Flood Insurance Is Its Own Policy
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. Whichever policy applies, the adjuster wants evidence of the damage before it hits the curb.
A photo set, the moisture log and a room-by-room list of what was thrown out all make the claim easier to settle. Ask for those records in writing at the end of the job. 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: Before the debris pile goes out, take a photo of the waterline on a wall and cut a small swatch of carpet and pad to keep. Flood adjusters request both on almost every claim.