The short answer
The source of the water matters. Sudden damage from a burst pipe is generally treated differently from flooding or seepage. Sewer backup may require an added endorsement. Your policy sets the limits and exclusions; ask your insurer to confirm coverage. Apollo can discuss the damage and repair scope, but does not decide your claim.
Source: Maryland Insurance Administration ↗
Prepare for the conversation
Have your policy, the date you discovered the damage, photos taken from a safe location and any existing reports ready. Ask what documentation your insurer needs.