Rand McNally
GBAccording to the FEMA map According to the FEMA map, my house is not in a flood zone, but FEMA wanted a new updated survey done, so they told my mortgage company that I was in a flood zone, forcing me to either get a LOMA and pay for a survey, or get flood insurance. Fortunately Neptune only charged me 650 per year, that I had to pay out of pocket, the full amount, right away (no monthly payments). So I guess when you're getting screwed, everyone gets a turn, and Neptune was very good at it.
TIMOTHY WAGNER
GBNeptune Flood Insurance was able to get a cheaper rate than my FIMA coverage. Neptune Flood Insurance was able to get me a lower rate by more than half my previous cost. The only weird thing is that my insurance would have been even cheaper if I had a two story house with a walkout basement vs mine which is a one story with a walkout basement.
Parker Vigé
GBDeceptive Fee Structure After 1-Year Renewal Neptunes premium charges are deceptive. After the first year, you will be charged a $150 policy fee (which is odd, because there is no administrative cost for your auto-renewal). This fee is also considered to be ‘earned’ at the time of renewal; if you switch to a different provider without this fee, it will not be refunded as is required for the remaining premium. I don’t mind paying for quality services, but I mistrust companies that use disingenuous fee structures to pad their margins without delivering value in return.
John B.
GBThank You Kudos to Neptune Flood! We had a concern with our Policy and were unable to resolve the issue through normal channels. After raising the issue directly with Neptune they resolved the problem within 24 hours. While it's preferable not to have an issue in the first place, it's good to see positive and timely response to fully address the problem.
THOMAS MANCE
GBQuick and easy and reasonable cost -