You need a separate flood insurance policy to cover flood damage from any rising water. Contact your insurance agent regarding your coverage and the need for flood insurance. If your home was severely damaged, you may have to rebuild sections in accordance with current building codes. In some cases, complying with the code may require a change in design or building materials and may cost more. Generally, homeowners insurance policies will not pay for these extra costs.
Some insurance companies offer an endorsement that pays for a specified amount toward such changes.
Neither will they pay to replace trees or shrubbery that have been damaged by the storm. Contact your insurance agent and make sure what your policy covers and doesn't cover. After a disaster is not the time for surprises and finding out that you are not covered for losses.