That would suck. I had about 17K worth of damage done by a lightning strike once. At least that was all just electronics and the insurance company was fairly good about replacing everything. (although I found out I had a 5K limit on computers which I never realized)
I can't imagine having my house filled with water. Won't they basically have to gut it and start from scratch since that water will be in the insulation and drywall, etc. The last thing you want after that is all done is mold problems.
You should be getting reimbursed for renting a different place until you can move back in as well, right?
