Home insurance in Columbus is your policy, your deductible, and a claim built from hail, a thaw, or a basement that took rain. A burst pipe on an outside wall, melt leaking through a valley, and seepage through clay are not the same loss. Hail may sit on its own deductible. Water backing up a floor drain is often outside the protection people think they bought with the roof language. Say renewal, a new policy, or a room that is wet today.
A brick house on an older street and a new house on the outer roads are not the same rebuild, and the dwelling limit has to follow the one you actually own. Count the porch and a detached garage when the hail reached them. If that limit still matches the purchase and nothing since, say so. Low clay streets ask a backup and flood question that a high lot skips. A wet basement is not automatically part of the roof language on your page.
Start in the basement if the rain came up through the floor, and at the ceiling if hail opened the roof. Shut a burst off before you document it, when the valve still turns. Pictures from the yard are enough. Do not sweep granules or paint over a stain the night a whole subdivision was hit. Keep wet belongings until they are listed. A slick porch is a bad place to prove you were thorough.
Changing a policy is not the same call as filing one. Say what the dwelling portion should do, and say if the lot already puddles so flood is a real question. Keep hail on its own deductible, apart from a pipe. The inland thaw reveals winter stains, so call before they dry. Bring the page if a drawer still has it.
Do not strip the room and do not guess that every wet wall shares one deductible. Have the deductible you think you carry. Columbus melt is not lake snow, so describe the water you actually have. Call the number on this page.