Clear Creek water reached my Golden home. My homeowners policy should cover that, right?

Usually not by itself, and Golden households deserve the plain answer before the water arrives. Standard homeowners policies commonly cover sudden internal water, the burst pipe class, and exclude overland flooding, which is what creek water is, however it entered. Flood insurance is a separate policy with its own deductible and a waiting period before it takes effect, which is why the purchase belongs to a dry month. If creek water has already arrived, document everything, photograph the marks, mitigate, and call both the carrier and the claim line anyway: water backup endorsements and specific circumstances occasionally change the answer, and the documentation is free.