How To Submit A Home Insurance Claim? 
You are going to have to determine what caused the damages and submit a claim appropriately . For example there may be water damage of a broken pipe or water damage form a flood . both are water damage but both are not typically covered under the homeowners policy . A broken pipe from say a freeze loss would be typically covered . A flood from a nearby stream would not be covered . In property insurance you may have contents to list and produce a notice of loss . Such an inventory is hard to do after the damage occurs . for that reason we recommend keeping an inventory of your important household goods away form your premises in a safe place . 