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      Neptune Flood Battlecard

       

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      Phone Number / Email:

      • If you have a quote or policy directly with Neptune and have questions, website issues, or a general Neptune inquiry:

       

      Customer Service Hours of Operation:

      • USE DIGITAL CHATBOT POSEIDON 24/7 for FAQs, payments, endorsements, and more.

       

      Current Lines of Business/States:

      • Flood: All states besides Alaska

       

      Carrier Access:

      • Shared login via Last Pass

       

      Quote Bots:

      • Active in all states.

       

      Application Type: 

      • Carrier E-Sign

       

      Carrier Market:

      • This Policy insures the following types of property only:
        • A one to four family residential “Building”, not under a “Condominium” form of ownership.
        • A single-family dwelling “Unit” in a “Condominium Building”.
        • Personal property in a “Building”. 

       

      Important Guidelines:

      • INELIGIBILITY: 
      • Properties with more than one flood loss, or a flood loss greater than $25,000 / Manufactured or mobile homes / Buildings located partially or entirely in, on, or over water / CBRA properties
        • Neptune does not insure for loss to property caused directly by earth movement even if the earth movement is caused by “Flood”. Some examples of earth movement that we do not cover are:
          •  Earthquake, Landslide, Land subsidence, Sinkholes, Destabilization or movement of land that results from accumulation of water in subsurface land area, or Gradual erosion.
        • Neptune does, however, pay for losses from “Mudflow” and land subsidence as a result of erosion that are specifically insured under our definition of “Flood”.
        • Neptune does not insure for direct physical loss caused directly or indirectly by any of the following: The pressure or weight of ice, Freezing or thawing, Rain, snow, sleet, hail, water spray, Failure, stoppage, or breakage of water or sewer lines, drains, pumps, fixtures, or equipment.

        Additional Coverages to protect your client:

        • Building coverage up to $4,000,000 and Contents coverage up to $500,000 with an option to add additional coverages to protect assets not covered in the National Flood Insurance Program (NFIP).
        • TEMPORARY LIVING EXPENSES (UP TO $20,000) If your customer is unable to live in the building, we will reimburse 75% of covered temporary living expenses incurred, up to the selected $10,000 or $20,000 limit of coverage. 
        • REPLACEMENT COST ON CONTENTS Contents are paid out as actual cash value (ACV). If your customer would like the claim settled for the replacement cost of the items at the time of the loss without depreciation, add this extra protection. 
        • BASEMENT CONTENTS (UP TO $10,000) Expands the list of covered basement contents not included in a standard policy. 
        • UNATTACHED STRUCTURES (UP TO $100,000) Neptune will pay up to the limit purchased for all unattached structures combined, excluding residential, commercial, and farming structures. This limit is in addition to Building Coverage. 
        • POOL REPAIR AND REFILL (UP TO $20,000) The NFIP specifically excludes coverage for swimming pools. With this endorsement, Neptune will cover in-ground swimming pool repair & refill costs. 
        • LOSS OF RENTAL INCOME (UP TO $20,000) If your client owns a rental property, protect the investment with up to $20,000 in rental loss if the property becomes uninhabitable due to flooding.

         

        Additional Resources: