Our first floor home was destroyed by flood and muddy waters. We had no flood insurance. Our homeowners insurance rejected claim due to mud floor from natural disaster. Four vehicles ended up on our property. One took out a pillar/column and we believe caused damage to stucco and then allowed water to enter home. Who should we file claim with? Our homeowners policy? The auto insurance policies? What proof should we submit? All our rebuilding funds are from an SBA loan. Any direction to recover something would be appreciated. Thanks.