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.
Missouri homeowners should add sewer and drain backup coverage to standard policies; Missouri Department of Insurance requires insurers to offer this endorsement, and Cold Water Creek flood events can trigger sanitary sewer overflows not covered under base policies. Mitigation is not optional — every policy requires you to stop further damage, so drying starts before the adjuster arrives, and you keep the invoices.
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