Your Flood Claim Is Separate
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.
The contractor's photo log, moisture readings and a room-by-room list of discarded items all help your claim move. 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.