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I am an attorney with 30 years of experience; I hope to provide you information that will help you in resolving your question.
I am afraid that you are not going to entirely like my answer. You have a Policy Overlap situation. Even though you had initial damage caused by the rain, the additional damage caused by the flood is going to cause the two policies and the two claims to overlap.
This is not entirely bad, but it probably isn't what you may have hoped. In essence you will not get paid twice for the same damaged property, even though there are two incidents, two policies, and two claims.
What you will get however is a sort of enhanced coverage. By this I mean that the coverage from the pne policy will pick up the deductibles and the uncovered portions of the other policy.
You still will need to keep good records, receipts, photos, and other documentation pertaining to the loss. You will need to press both insurance companies regularly until you get a complete recovery plan and payment.
These two articles discuss this type of problem in greater detail and are worth looking at:
I know you are going to say that your situation is different because the first incident was prior to the flood. The insurance company is going to take the opposite position and tie all the damage together a storm related. I understand if you feel this is unfair, but I can't tell you something that is incorrect. It would only lead you to greater disadvantage for me to do so.
Unfortunately, you may very well have to file a claim in Court to get the insurance company to pay their due.
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