Flood Insurance Is Its Own Policy
Most standard homeowners policies exclude flood from rising outside water. That protection normally comes from an NFIP or private flood policy, so confirm with your agent which one you carry. 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. 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: 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.