Water damage insurance claims depend on a few different criteria. Ultimately, that's a question you'll have to clarify with your insurance company. However, we can tell you that the viability of water damage insurance claims depends primarily on what caused the damage (storm, burst pipe, plumbing malfunction, localized flood, sump pump failure, etc.). Some insurance policies will outline scenarios that will NOT be covered without specific riders, like flood insurance or sump pump failure insurance.
Contacting a restoration contractor and your insurance adjuster at the same time is a good idea because the restoration contractor will help ensure that the water extraction and dry out and the rebuild process that should follow. If the full scope of the claim isn't outlined and agreed upon from the start, there may be issues down the line, and property owners may have to pay out of pocket to get the property completely back to normal.