There has been no visit by any adjuster; the claim was flat-out denied. I am not surprised.
I assume there is only a standard homeowners' policy. Flooding is one thing that is typically excluded from insurance policies; 'flood insurance' is handled exclusively by the Federal Government.
What is covered by your usual policy is flood and water damage that is incidental to, that is caused by, some other insured event. For example, a broken water pipe.
