A flood claim goes to your NFIP or private flood carrier, not to your homeowners insurer — they are separate policies and a homeowners claim will be denied for flood water. Report it the day you find it. NFIP requires a signed Proof of Loss, normally within 60 days of the loss, and the documentation you gather in the first hours is what it is built from: video of every affected room before anything is moved, photographs of the high-water line, a list of damaged contents with what you paid, and receipts for emergency mitigation.
Middletown homeowners in newer developments should verify whether their lot sits within a mapped flood zone, as NFIP coverage is mandatory for federally-backed mortgages in Special Flood Hazard Areas and may have been required at closing without adequate explanation. Mitigation is not optional — every policy requires you to stop further damage, so drying starts before the adjuster arrives, and you keep the invoices.
Quicker than reading — ask the pro directly: (888) 840-6512 · toll-free · no obligation