Flood Insurance Is Its Own Policy
Most standard homeowners policies exclude flood from rising outside water. 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.
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: Snap a picture of the waterline on the wall and save a small square of carpet and pad before anything is hauled away. Adjusters ask for both constantly.