General FAQs
- What is the waiting period with Neptune Flood? Is it the same as the NFIP waiting period?
- What is the Policy Fee?
- Will the claims process be any different than under the NFIP?
- What is my deductible and how is it applied?
- If I buy private insurance, then want to go back to the NFIP, will I be charged a higher rate?
- Doesn’t my Homeowners Insurance policy cover flooding?
- I don’t live near water, do I need flood insurance?
- What is a flood?
- Won’t the Federal Government bail me out if I don’t have flood insurance?
- What items are excluded from the Neptune Flood policy?
- What is Neptune Flood’s address?
- What are Neptune Flood’s business hours?
- What is the best contact information for Neptune?
- How do I pay my flood insurance?
- Can I have my premium escrowed with my lender?
- Can I make my payments in installments? (Monthly, Quarterly, Biannually)
- I am closing on a property, how should my flood insurance be paid?
- How do I identify my policy number? Where can I find my policy number?
- Does Neptune require elevation certificates? Where would I obtain an elevation certificate?
- What types of flood insurance does Neptune offer?