Your Flood Claim Is Separate
A typical homeowners policy does not cover outside water that rises into the house. 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.
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. Adjusters ask for both constantly.