Document the event
Take reasonable photos of affected areas, note when the loss was discovered and keep records of emergency steps, cleanup and repairs. Avoid delaying urgent measures solely to create documentation.
Read your own policy
A sudden plumbing event, long-term seepage, maintenance issue, sewer backup and external flooding may be treated differently. Your insurer or licensed insurance professional can explain how your specific policy applies.
Do not assume restoration equals coverage
The fact that a property needs cleanup does not determine whether an insurer will pay for it. Restoration decisions and insurance coverage decisions are related practical issues but not the same determination.