Most insurance companies don't cover flood damage unless you specifically set it up--usually a good idea anyway, since floods do crazy damage and it's usually not that expensive. If you have your policy papers, it should say. (BTW, if this kind of thing is likely? It's not a bad idea to scan your important documents and keep them on a flash drive in your purse/wallet. Kind of a hassle to set up, but a godsend in an emergency).
Hopefully things will go down without too much trouble for you, and everyone involved will be helpful and have a brain. *hugs* I'll keep a good thought for you.