Neptune Flood offers flood insurance policies that protect your home and belongings from flood damage. They provide easy-to-get quotes online and offer coverage starting at around $350 per year, with premiums averaging about $82 a month or $985 a year depending on your property's risk. They also offer options beyond government-backed policies, including faster claim processing and extra coverages like Temporary Living Expenses. If you see charges from Neptune Flood, it's likely for your flood insurance premium, which you pay to keep your policy active and protect your property.
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The cancellation of a Neptune Flood insurance policy is moderately difficult due to restrictions on mid-term cancellations which require specific valid reasons and supporting documentation. Cancellation is typically only allowed at the end of the policy term unless one of the listed criteria are met, making the process restrictive and potentially time-consuming.
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How to Cancel flood insurance policy: Step by Step
If you purchased through NeptuneFlood.com:
- Verify Eligibility: Ensure you have a valid reason for cancellation according to your policy terms. Common reasons include the sale of the insured building, flood insurance no longer required by your lender, or a property becoming ineligible for coverage.
- Gather Documentation: Collect any necessary documentation that supports your reason for cancellation (e.g., documentation related to the sale of property).
- Email support: Send an email to support@neptuneflood.com with your cancellation request and attach any supporting documentation.
- Wait for a Response: Await confirmation from Neptune Flood regarding your cancellation request. They may contact you for additional information if needed.
- Cancellation Confirmation: Ensure you receive written confirmation of the cancellation to finalize the process.
Tips & Tricks for Canceling flood insurance policy
- Start cancellation early as it can take over 30 days to process, especially with NFIP policies.
- Get and bind a new insurance policy first so the flood insurance doesn't lapse and inform your lender accordingly.
- Let the policy expire naturally if possible, instead of requesting an early cancellation, to avoid complications.
- Use specific reasons for midterm cancellation such as duplicate coverage or a successful LOMA appeal removing the property from the flood zone.
- Prepare to escalate by contacting higher authorities like state insurance departments or attorneys general if the agent is uncooperative.
- Be clear and firm in communication emphasizing your rights and any documented proof, such as elevation certificates or removal from flood maps.
- Avoid relying solely on agent statements as they might not have full authority or correct information on midterm cancellation.
- Document all interactions with your insurance company: dates, representative names, and what was discussed or promised.
- Check for any refund eligibility on unused premium and insist politely but persistently if justified.
- Contact your lender early to ensure they recognize the new insurance to allow policy changes without risking loan agreement violations.
flood insurance policy Customer Service Info
If you need assistance, here's how you can get in touch with flood insurance policy's support team.
Cancel flood insurance policy Script
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Dear Neptune Flood Customer Service,
I hope this message finds you well. I am writing to formally request the cancellation of my flood insurance policy. I have decided to seek coverage with another provider that better fits my current needs. Please let me know if there are any necessary steps I need to follow to complete this process. Thank you for your assistance.
Best regards,
Frequently Asked Questions
Neptune Flood Insurance allows policyholders to cancel their flood insurance anytime given a valid reason such as property sale, policy overlap, or mortgage payoff, with entitlement to a full or partial refund based on the cancellation date. The insurer may also non-renew the policy with a minimum of 45 days' written notice and specific reasons provided. Payment of renewal premiums is required before policy expiration to avoid coverage lapse, with conditional reinstatement possible within 30 days after expiration.
To cancel your flood insurance policy with Neptune Flood (neptuneflood.com), you generally need to have a valid reason for cancellation and submit supporting documentation to their support email (support@neptuneflood.com). There is no clear indication that a password is specifically required to cancel your policy via phone or email support. However, if you need to access your account online or reset your password, you can do so at this URL: https://neptuneflood.com/login/ where you can find password reset options. For cancellation, contacting support directly is recommended.
- Insured building sold, removed, or destroyed
- Insured personal property sold, removed, or destroyed
- Policy canceled and re-written to establish a common expiration date with other insurance coverage for the same building
- Condominium unit or association policy converting to RCBAP
- Insured building physically altered and no longer eligible for coverage
- Flood insurance no longer required by your lender
- Duplicate policy from a source other than Neptune where that policy has an effective date on or prior to this policy
- Property closing did not occur
- Property not eligible for coverage at the time of application
- Property becomes ineligible for coverage during the policy term
- Insufficient premium paid to retain coverage
- Policy not accepted by your lender, with a written statement from that lender within 45 days of policy effective date stating they do not accept the policy
- Nullification prior to the policy effective date
Neptune Flood Insurance policies have restrictions on mid-term cancellations; you can only cancel mid-term for specific valid reasons listed in the policy, such as property sale, destruction, or changes that affect eligibility, and you must provide supporting documentation. If you don't meet these criteria, the policy will continue until the end of the term, with no early cancellation allowed. There may be partial or full refunds depending on the situation, but there are no typical open-ended cancellations or subscriptions—you are generally locked in for the policy term unless a valid reason is met for early cancellation, so be aware of these limitations before committing.
Before cancelling a flood insurance policy with Neptune Flood, be aware that you will lose all flood coverage protection for your property, which could leave you financially vulnerable to flood damages. Canceling mid-term is only allowed for specific reasons such as selling or destroying the insured building, flood insurance no longer being required by your lender, or property becoming ineligible for coverage. You must provide supporting documentation for cancellation requests, and if no valid reason is presented, the policy will continue until the end of its term. Cancellation could also impact any claims or benefits you might have under the policy term, so consider your flood risk carefully before cancelling.
- Policyholder's full name
- Policy number
- Contact information (email, phone number, mailing address)
- Date of birth
- Effective date of cancellation request
- Reason for cancellation (e.g., property sold, duplicate coverage, no longer required by lender, etc.)
- Supporting documentation for the cancellation reason (such as proof of sale, new insurance policy, lender statement, etc.)
- Written cancellation request signed or submitted by the policyholder
- Email submission of documents to support@neptuneflood.com
We've actually written a step by step guide on how to get a refund from flood insurance policy. Check it out!
The Easiest Way to Cancel flood insurance policy
If you’re frustrated trying to cancel your subscription, membership, or bill from flood insurance policy—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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