Home insurance in Delaware is a conversation about your policy, your deductible, and any claim sitting in front of you. A beach house in a salt wind and a house on the northern hills do not present the same damage. Open water, a high water table, and inland ice each leave a different mark on the declarations page. Start with the county and with what the building actually did, not with a guess about what the policy ought to say.
Have the declarations page where you can read the dwelling limit and the deductible. See whether wind or hail carries a deductible of its own. What it would take to rebuild is not the sale figure someone might offer on a quiet inland street, and a raised beach house is a different rebuild again. If the limit feels like an old sale figure, say so. The page is the promise the claim will be measured against.
Water is the confusing part. A standard policy often treats flood differently from rain driven through a damaged roof or from a pipe that let go. Bayfront lots, ocean blocks, and ground that stays saturated raise that question even when the living room has stayed dry. A wet crawl space after a long rain is not automatically the same loss as a sudden break overhead. Ask what the policy excludes before you decide the water is covered.
If you are filing a claim, note when you noticed the damage, which rooms are involved, and what you already covered or moved. A house that was closed for the off season needs that fact, because the damage may have started while you were away. Do not invent the cause of loss. Describe lifted shingles, a stained ceiling, salt-stained metal, or a frozen line. Photos can follow the call.
Say whether you are comparing a policy, checking a deductible before repairs, or reporting damage you can see. Mention an older roof, a prior claim, or a lot near open water if those are true. Home insurance in Delaware starts with the declarations page and with the difference between hill, farm, and beach. Call the number on this page.