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.
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 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: 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.