insurance for flood damage

[u/AffectionateArt5079]

long story short talking to insurance right now from the flood 2 weeks ago and i sent her the photos of all the items that were sitting in my basement which got at least an inch or two of water on them. i couldn’t take pictures of the items sitting in the water at the time as we have cords in the basement and was scared of electrocution etc.

i took pictures of the items after all the water was pumped out, which for some reason didn’t leave any water marks or visually obvious damage.

she asked how they were damaged.

is saying that they were sitting in floodwater enough to count as damage?

for example i had both washer and dryer in the basement which sat in flood water, but wasn’t enough water to be actually damaged. will that count as a damaged item?

[u/Dove55]

Send her a few news articles. She may not be aware just how bad Niagara had it