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. 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 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. Flood adjusters request both on almost every claim.