It doesn't take a lot for water to damage your own home. Flood water damage is one from the worst because this is all because of black water. Even a simple leak in crawl spaces would bring considerable problem in the future when left unchecked.
The very first thing you'll want to do is always to remove the phone from the lake and turn it off to prevent any short circuit. They will have every one of the right equipment to become able to scrub up water and sanitize the whole area so you may know that it's safe once again.