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. 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. Request copies of all of it when the work wraps up. If the adjuster has not visited yet, ask your carrier whether cleanup can start, since waiting weeks with wet walls only makes the loss bigger.
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. Adjusters ask for both constantly.