Numerical methods are developed to simulate the wave propagation in 2D heterogeneous fluid / poroelastic media. Wave propagation is described by the usual acoustics equations (in the fluid medium) and by the low-frequency Biot's equations (in the porous medium). Interface conditions are introduced to model various hydraulic contacts between the two media: open pores, sealed pores, and imperfect pores. Well-possedness of the initial-boundary value problem is proven. Cartesian grid numerical methods previously developed in porous heterogeneous media are adapted to the present context: a fourth-order ADER scheme with Strang splitting for time-marching; a space-time mesh-refinement to capture the slow compressional wave predicted by Biot's theory; and an immersed interface method to discretize the interface conditions and to introduce a subcell resolution. Numerical experiments and comparisons with exact solutions are proposed for the three types of interface conditions, demonstrating the accuracy of the approach.