If after hearing from your insurance company's claims executive, you still feel your claim hasn't been handled properly, it's time to contact the state watchdog agency for insurance consumers. Make sure you notify that company if different from your homeowner insurer. Write down brand names and model numbers of appliances and electronic equipment. If your home suffered extensive damage and you do not have an inventory of contents, sit down and list the different things of value that were in different rooms. It might include cracks in the walls, damage to ceilings, missing roof tiles.
Adjusters can tell the difference.
But if you are not certain, point it out and make it clear you had NOT noticed it before. But it does cover some other kinds of water damage. Check with your agent if you have questions.