The whole point of paying those homeowners insurance premiums is so that if something goes wrong you can file a claim and have the damage covered. But it's not always that simple.
In an ideal world your insurance company would always be willing to pay for any damage that occurs. But in reality you may have to deal with some push-back over what the insurance company is willing to cover.
Knowing what your insurance policy covers, be it flooding, wind damage, fire, earthquakes, or all of the above, is the first step. But there are some other tactics that make it more likely the damage will be covered.