Contact the flood carrier: Damages caused by flood, surface water or seepage are generally not covered by homeowners insurance policies (emergency services costs would not be covered if this is the case); the standard (AOP) deductible applies. Since “flood” is not covered by standard homeowners insurance policies, if your loss may be due to a “flood”, you should report the loss to your flood insurance carrier. If you do not have flood insurance, you still may be eligible for assistance. For additional information, please visit
https://www.fema.gov/individual-disaster-assistance .