Our WYO flood clients only allow for contents manipulation if they carry contents coverage.  Cost to move contents around the house (not to storage facilities) is paid under the building coverage but we can not include it in our estimates if homeowner has not bought contents coverage.

In addition contents in non-covered areas (basements, lowest floors of elevated structures in high hazard zones) are never covered for manipulation.  If a basement full of contents floods, there is no coverage to remove the contents debris even if insured has contents coverage.

It pays not only to know the policy but how NFIP interpets it....

"its just like muck out" (was the wordsI used) in a building/dwelling that does not have contents coverage the "debris would co-mingled with the muck".  The carpet/unfinished floor is beneath. This is the starting point of most flood losses and if you did not use the phrase"content manipulation" and softer words like "debris mired in muck". This describes the necessary operation.

I can also think about a commercial policy that has contents on ever sf of a floor that was compromised by the flood water that was not a basement situation that the load had to removed to repair the flood damaged floor that was supporting this load.

In a dwelling claim it would pose problems on wet capet type claims, as carpet layers/contractors do not charge extra to move furniture on the floor.