There are two issues here. First, your insurance has to cover flooding. Many policies do not. Mine paid for items damaged by a backed-up storm drain because I had a special rider. It would not have paid if items was damaged by flooding from surface water getting in through window wells and etc. Second, unless you have replacement cost insurance, you probably don't have a good chance of getting made whole. If you don't, they'll most likely pay you depreciated cost which will almost certainly be very much less than what you think they are worth. The details of your policy are going to be what matters most, not our experiences. In order to establish original cost or depreciated value, Audiogon Blue Book is a good place to start unless you have receipts.
