Flood Info

flood preparation

Flood Preparation Before A Storm

By | Flood Info

You can’t predict a flood, but you can prepare for it. Floods are the worst and costliest natural disaster — more destructive than hurricanes, earthquakes and tornadoes. Climate change is making floods worse by increasing the risk of heavy rainfall.

Ninety percent of all US national disasters are floods. They plague all 50 states, inland and coastal areas, low elevations and high. One in five flood insurance claims come from low-risk zones.

Yet, according to the Insurance Information Institute, only 12 percent of US homeowners have flood insurance. Wherever you live, it’s wise to be prepared for a flood. Here’s what you can do before flooding happens to your home.

Get Insurance

No homeowner’s or renter’s insurance policy covers floods, so you’ll have to buy separate flood insurance. This type of insurance protects your home and possessions during a disaster. It’s available through the National Flood Insurance Program (NFIP), which is overseen by the Federal Emergency Management Agency (FEMA). You can buy NFIP insurance if you live in one of the program’s participating communities.

The NFIP offers two types of policies. Keep in mind that the policy won’t go into effect until 30 days after purchase. This could spell trouble if a flood happens within that month. If you buy flood insurance from Neptune Flood, you won’t have to worry about when your insurance will kick in — we have a reduced waiting period of only 10 days.

You can get one or both types of insurance:

• Building property coverage. The maximum structural coverage limit is $250,000. It pays out on a replacement cost basis (the cost of repairs in today’s dollars) for a primary residence and actual cash value (the value factoring in depreciation) for a vacation home. Building property coverage can help protect:

— Detached garage used for limited parking or storage. You can use up to 10 percent of your total building flooding insurance coverage for your garage, but that amount will be deducted from your total available building coverage.

— Essential home systems (central air and heating, furnaces, water heaters, sump pumps and solar energy equipment)

— Appliances (refrigerators, ranges, dishwashers, window air conditioners, freezers and the food in them)

— Carpeting and window treatments (permanent carpeting over an unfinished floor, window blinds and curtains)

— Permanently installed paneling, bookcases, wallboards and cabinets. Your policy will only cover the damaged cabinets, so you may have trouble getting new cabinets that match the undamaged ones.

Wouldn’t you like property coverage that’s higher than $250,000? Neptune Flood provides the protection you need for up to $2 million.

• Personal contents coverage. The maximum coverage limit is $100,000. This policy pays out on an actual cash value basis, which takes into account an item’s current, depreciated value. Personal contents coverage helps protect:

— Clothing

— Furniture

— Electronics

— Some portable appliances

— Freezers and the food in them

— Valuables such as art (up to $2,500)

Neptune Flood trumps the NFIP with personal contents coverage up to $500,000.

It also pays to know what’s not covered by flooding insurance:

— Additional expenses, such as temporary housing.

— Property outside of the insured building, such as decks, fences, swimming pools and hot tubs.

— Currency, precious metals and valuable documents such as birth certificates.

— Damage caused by earth movement, even if that movement is caused by flood.

— Vehicles and their parts.

— Moisture, mildew or mold damage that happened due to a property owner’s negligence, not because of the flood.

Things You Can Do RIGHT NOW to Shield Your Home from Potential Flood Damage

First and foremost, make sure to get flood insurance from Neptune Flood. It’ll only take three minutes — or less. You should also consider doing the following to protect your home:

• Leave the basement and lower floors unfinished.

• If you’re doing a new build, use flood-resistant building materials.


Concrete is exceptionally strong and rigid. Concrete walls can be covered with stucco or siding. If you want a more industrial, raw look you can leave the concrete exposed. These are the advantages of concrete houses:

1. Concrete can be pummeled and endure extreme weather much better than other houses would.

2. Concrete homes are built to last.

3. Concrete is non-combustible, unlike a wood-framed house.


Steel-framed houses are built similarly to wood-framed houses. They use stud walls as bearing walls for the house, although the detailing is different. These are the advantages of steel-framing:

1. Steel is non-combustible.

2. Buildings with steel framing, sheeting, roofing and trim can endure intense flooding, heavy rains, earthquakes and strong wind.

3. It’s resistant to corrosion.

4. Steel lacks wood’s porosity, so it doesn’t absorb moisture, weaken or rot.

5. Since steel doesn’t seep or absorb moisture, exterior paint won’t be damaged.

6. Steel doesn’t warp, twist or shrink.

7. If a metal-frame house does suffer flood damage, it can be restored much more easily than a wood-frame house.

There are also other ways you can brace your home against the worst:

• Have a licensed land surveyor conduct a full architectural survey of your property, with topography. Afterwards, see if your land has high areas which could be prime locations for your home.

• If you’re doing a new build, elevate your entire house on columns that are at least six feet high.

• Raise your water heater, washer, dryer, oil tank, furnace and any electrical wiring onto concrete blocks, above the base flood elevation (BFE). If you can’t raise these items, you can protect them with a floodwall or shield.

• Install flood shields or built-up barriers for basement windows and doors. The tops of the shields and barriers should extend above the BFE.

• Keep sewer lines from backing up by installing standpipes or backflow valves. 

• Install a sump pump system if you have below-grade floors.

• Landscape with native plants that resist erosion. Here are some:

Ground covers

1. Autumn sage

2. Phlox

3. Vinca

4. Ivy


1. Buckwheat

2. Sulphur buckwheat

3. Apache plume

4. Wild lilac


1. California live oak

2. Flowering dogwood

3. White alder

4. Lodgepole pine

Avoid using grass for erosion control. Many varieties of grass can actually worsen erosion, so other groundcovers are a safer choice. Also, avoid highly flammable plants. These include:

Ornamental juniper

— Leyland cypress

– Eucalyptus

— Rosemary

Flood Map

A flood map is a tool that can help you understand, hypothetically, your area’s flood risk. Flood maps are meant to heighten awareness about potential floods in specific regions. They’re user-friendly and accessible at FEMA’s online service center.

Simply type in your entire address, and their system will generate a highly detailed topographical on-screen flood map, along with a precise legend regarding your area’s flood risk. Keep in mind that a flood map is only a guideline, not a predictor. Floods can happen anywhere, but some areas are particularly vulnerable to them.

First Aid Lessons

Floods are life-threatening events with effects so catastrophic that first responders may not immediately reach you. You can provide vital first aid care until they arrive. Red Cross first aid lessons will help prepare you for emergencies when time and knowledge are of the essence.

When you take a course, you’ll get a two-year certification and access to refresher courses. Classes are OSHA-compliant. You can learn:

• First aid

This training includes:

— Burns

— Choking

— Asthma emergencies

— External bleeding

— Poisoning

— Seizure


CPR (cardiopulmonary resuscitation) training gives you the skills needed to help during cardiac emergencies that affect: 

— Adults

— Children

— Infants

— Cats and dogs


AED (automated external defibrillator) training.

Most offices and public buildings are equipped with AEDs. Defibrillators are medical devices that analyze the heartbeat and then normalize it by sending an electric shock to the heart.

After you call 911, it will take about eight to 12 minutes for first responders to arrive. In severe conditions, where they may be overwhelmed by emergencies, you’re on the frontline. For every minute defibrillation is delayed, the chance of survival reduces by approximately 10 percent. Classes will teach you how and when to use an AED. 


First Aid/CPR/AED courses are typically combined so that you can learn these skills in one easy class.

The cost of these courses varies, depending on your location and whether you take the stand-alone courses or the blended ones. They can be taken in person or via the Red Cross’ Simulated Learning, which blends online education with in-person classes.

First Aid Kits

It’s wise to keep a first-aid kit at home, in your car and at work. You can get first aid kits at drugstores or from the Red Cross. You can also put your own first aid kit together. It should at least contain the following 13 items:

• Gauze pads (at least 4 x 4 inches)

• Two large gauze pads

• One gauze roller bandage

• One box of adhesive bandages

• Two triangular bandages

• Wound cleaner

• Scissors

• Tweezers

• Adhesive tape

• Latex gloves

• Resuscitation equipment such as a resuscitation bag

• Two elastic wraps

• One splint

When it comes to floods, preparation can be your best defense. A key part of that flood preparation is having flood insurance in place. Yet last year, a shocking 85 percent of homeowners didn’t have flooding insurance. Don’t be part of that 85 percent. Now is the time to contact Neptune Flood. We’ll help waterproof your life. 

flooding, neptune flood

Flooding Insurance: Why You May Need It

By | Flood Info

When a hurricane watch — or worse, a hurricane warning — has been issued, it’s too late to suddenly realize that you should have gotten flood insurance. Or maybe you thought it was already part of your policy, only to find out, as the storm was bearing down and you were scrabbling through your insurance documents, that it’s not.

According to Lynne McChristian, consultant to the Insurance Information Institute (III), “Most people fail to read their insurance contract to understand what’s covered and what’s not, and then they’re surprised…they didn’t have the coverage.”

At some point, we’ve all waited until the last minute to do something. When it comes to hurricanes, though, the stakes are too high for that kind of gamble. Once a storm watch or warning has been announced, insurance companies don’t permit homeowners to buy new or additional coverage.

Hurricanes have one thing going for them: they have a specific season (June 1 through November 30) so you can have flooding insurance in place long before cyclones develop. Here’s what you need to know about hurricane-related insurance so you can be prepared long before disaster strikes.

Does my homeowners insurance cover flooding?

No. Homeowners insurance never covers floods. You’ll need to have separate flood insurance that covers tropical storms, overflowing rivers and torrential rain. Remember that only one inch of water can cause $25,000 worth of damage to your home. If you procrastinate, you’re playing Russian Roulette. So it’s good to know that Neptune Flood can provide affordable flood coverage backed by the same cutting-edge technology used by NASA and the Federal government. 

Is there a waiting period for flood insurance?

One option for flood insurance is the National Flood Insurance Program (NFIP), which is administered by Federal Emergency Management Agency (FEMA). However, this type of insurance has its limitations. It’s only available to residents of participating communities. Neptune’s insurance is available to anyone who has an internet connection.

Additionally, if you buy your flood insurance through the NFIP, coverage won’t start until 30 days from the purchase date. If a hurricane strikes within that 30-day period, your policy won’t cover flood-related damage to your home or possessions. Let’s say flooding starts a day before your policy kicks in – you’ll be in great danger.

However, if you obtain insurance from Neptune Flood, you’ll have full coverage after only 10 days instead of 30. 

Is there another way to get last-minute flood insurance?

Turning to a private insurance company is your best bet for obtaining insurance. Private insurers will assess the risk related to your home based on its location, history and vulnerability. If they decide the risk is too high, they may decline you.

Keep in mind, too, that most insurers stop selling flood policies when there’s a hurricane watch. According to the National Hurricane Center, a hurricane watch is defined as the 36 hours in advance of a potentially fierce storm. It means “watch out.” A warning, on the other hand, is dire — it means the storm is looming and it’s time to evacuate.

Can I get last-minute flood coverage for my car?

Car insurers usually won’t sell or update policies if your location is under a hurricane watch. If a watch hasn’t been issued yet, talk to your agent about adding comprehensive coverage. Comprehensive coverage is insurance that covers incidents other than car accidents. If you’re greenlighted to buy one, there’s no waiting period.

Do I need coverage if I live in a low-risk zone?

Even if you live in an area that has a low risk of a direct hurricane hit, there’s still a chance that you could be assailed by a storm and its accompanying deluge. As a matter of fact, people outside of high-risk areas file more than 25 percent of all flood claims.

Storm surge is also a dangerous offshoot of a hurricane and can pummel seemingly low-risk areas. Storm surge is a tsunami-like torrent of water that’s pushed ashore by a hurricane. It poses a massive flood risk, not only along the shore but inland. To illustrate this, Hurricane Katrina spawned a 28-foot storm surge, flooding 12 miles inland in Mississippi.

When a hurricane makes landfall, it can also release terrifying downpours. When Katrina barreled into New Orleans, not only did apocalyptic floods ensue, but it overwhelmed the city’s levees and drainage canals. Nearly 80 percent of the city was underwater.

I’ve heard of flood maps — what are they?

A flood map is a map of hypothetical floods depicting the chances of floods in your area. The map is divided into zones illustrating the frequency and intensity of floods These maps are not predictors of where water will actually go during a hurricane or how severe floods will be. It’s only a guideline and shouldn’t be depended upon for insurance preparation. 

What does flood insurance protect?

Flood insurance divides your home’s personal property and structural property into two policies that must be purchased separately. Here’s how Neptune’s flood insurance, covering two types of property, eclipses NFIP’s coverage:

• Contents — NFIP offers maximum coverage of $100,000 for personal property (clothing, furniture, beds, etc.), in actual cash value. This means it only covers the cost of replacing damaged or lost contents based solely on their depreciated value. For greater peace of mind, Neptune Flood offers up to $500,000 comprehensive coverage for your home’s contents.

• Home — NFIP tops off coverage at $250,000, which replaces damaged property (foundation, carpet, etc.) with new property, regardless of depreciation, if you’re insuring a single-family, primary residence. Neptune Flood offers higher limits of up to $2,000,000 for the home where you’ve made wonderful memories.

We can also go above and beyond by providing replacement cost, temporary living expenses, basement contents, pool repair/refill and detached structures. And we offer enhanced flood coverage that can save you up to 25 percent on your premium.

What about FEMA assistance?

If you suffer hurricane-related flood damages without insurance, FEMA assistance may sound like a white knight that will come in and save the day. However, it comes with strings attached, so it’s not a quick fix. Federal disaster assistance is only provided when there’s a Presidential Disaster Declaration. President Donald Trump issued disaster declarations for Hurricane Harvey, Hurricane Irma and Hurricane Maria because their damages, including floods, were cataclysmic. 

However, most floods don’t command a declaration. Additionally, if you are unable to attain a FEMA grant, you’ll have a low-interest disaster loan hanging over your head, and you’ll be required to immediately pay back the loan debt you already have on your property.

Did you know that disaster assistance from FEMA won’t return your home to pre-hurricane condition or replace most of your cherished belongings? Also, remember that FEMA evoked scathing criticism during Hurricane Katrina when the agency’s aid was allegedly late or nonexistent.

This may be what you have to look forward to if you don’t have flooding insurance in place in advance. 

Can forecasters predict what type of hurricane will hit?

As with any type of prediction, there’s always room for error. However, AccuWeather forecasters anticipate that the 2019 hurricane season will be near- to above-normal, with 12 to 14 storms. Five to seven of those storms are expected to become hurricanes and two to four are forecast to become major hurricanes (Category Three or greater).

Looking at the 2018 season gives chilling evidence of what actually did happen. The season produced a total of 16 named storms. These included eight hurricanes — a whopping half of the named storms – that were Category Three, Four or Five.

“This year,” says AccuWeather Atlantic hurricane expert Dan Kottlowski, “we think that there will be a few less hurricanes. But again, the old saying is, ‘It only takes one.’ ”

Neptune Flood understands how a hurricane could shatter the life you’ve worked so hard to build. That’s why we encourage you to buy insurance from us far in advance of the hurricane season. Time is of the essence, so contact us today and you’ll be ready for the worst and backed by the best. 

Hurricane Preparedness, neptune flood

Hurricane Preparedness with Neptune Flood

By | Flood Info

Katrina. Sandy. Irma. When most people hear these names, they don’t think of human beings. They think of three deadly, ferocious hurricanes that ravaged cities, killed hundreds and cost upwards of $1 billion each. Hurricanes pack winds that can top 200 mph and are the fourth worst type of natural disaster. In addition to high winds, they can also spawn tornadoes, heavy rainfall, storm surges, rip currents, landslides, and flooding.

This year’s Atlantic hurricane season is June 1 to November 30. The Pacific’s season is May 15 to November 30. Even if you’re 100 miles inland, you may not be safe. Knowing this, you can prepare in advance for one of these monster storms. By starting preparations early, you’ll avoid the last-minute frenzy at home supply stores and grocery stores.

Neptune Flood insurance, with high coverage limits of up to $500,000 for your home and $200,000 for its contents, is a crucial part of cyclone defense. Please follow these hurricane preparedness steps to keep yourself, your family and your pets safe.

Plan First

No matter how many emergency supplies you stockpile, they won’t make any difference if you don’t know where to go when disaster strikes. You’ll need to:

• Contact a local emergency management agency to learn your hurricane evacuation routes.

• Be prepared to drive at least 50 miles inland. Make sure you have a full tank of gas and that your car is in good working order. Even having new wiper blades is significant in a disaster. Have an extra set of clothing and supplies in your car.

• Practice evacuation drills, and also have an alternate evacuation route. Know where you’ll meet up if you’re separated. Include your pets in these drills, so they’ll acclimate to calmly entering and traveling in their carriers.

• Sign up for wireless emergency alerts.

• Call friends or relatives who are outside the danger zone and ask if you can stay with them.

Secure Your Home and Valuables

The sheer magnitude of a hurricane can easily turn large objects into playthings and flood your home. Neptune Flood, with locations in 25 states, can help in the aftermath of water damage. First, in order to reduce potential water or property damage be sure to:

• Trim tree branches.

• Reinforce your roof, windows, and doors. Garage doors are the most vulnerable.

• Cover windows with permanent storm shutters or 5/8-inch plywood boards.

• Bring in trashcans, lawn furniture, and outdoor decorations.

• Sandbag parts of your home that are susceptible to flooding. If these overflow, Neptune Flood will help you deal with the damages.

• Move your vehicle to a secure area. It only takes one foot of moving water to float a car and two feet to sweep it away.

• Secure electronics such as computers and televisions, and affix bookcases and filing cabinets to wall studs. Anchor objects that would be unsafe to bring indoors, such as gas grills and propane tanks.

• Have a wrench to turn off utilities.

• Assemble important financial, educational, legal and medical documents. Add your Neptune Flood insurance documents to this stash so they’ll be handy for you to refer to after the hurricane subsides. Place them all in a waterproof container. Keep your ID or driver’s license with you, as well.

• Carry cash in case banks and ATMs shut down. Credit cards and debit cards won’t work during a disaster.

Bring Water

It takes time for emergency responders to bring supplies after a hurricane, so it’s essential that you have an adequate water supply. Do not drink tap water, as it may be contaminated.

• A week’s worth of water is ideal. You can store it in plastic bottles (not milk jugs, as they can decompose and not glass, which can break). It can also be kept in pots, pans, jugs, and clean bathtubs.

• At the very least, keep three days’ worth of water — one gallon of water per person per day. This water will also be used for drinking, food prep and sanitation.

• If you live in a hot region and need to perform strenuous actives, you’ll have to double that amount. Nursing mothers, children and people who are ill will also need more.


Although humans can go much longer without food than water, you’ll still need to make sure you have sufficient nourishment during a hurricane. Here are some of the foods to stockpile:

• Food that doesn’t go bad, such as canned food. (Remember to bring a manual can opener or stock up on pop top cans.)

• Canned fruit in juice, not syrup.

• Dried fruits.

• Energy bars.

• Avoid foods that make you thirsty.


During a hurricane, you won’t have access to your pharmacy, so make sure in advance that you have a week’s worth of:

• Prescription medications. Ask your doctor if you can have an extra supply for an emergency reserve.

• Over-the-counter medications such as pain relievers, antacids, and laxatives.


Babies normally have special needs, and these escalate during emergencies. Make sure to provide them with:

• Water — Just like adults, babies need one gallon of water a day for five days. In addition to drinking, it will be needed for formula and sanitation.

• Food — Jarred food will keep well. Get five jars a day for five days, and be sure to add fruits and vegetables.

• Formula — Again, you’ll need enough for at least five days.

• Diapers — Babies rapidly go through diapers, so it’s best to get a box of them. Bring boxes of large plastic drawstring bags to dispose of soiled diapers.

• Plastic Bottles — Bring five clean bottles and five nipples.

• Medications

• Clothing — Even under the best circumstances, babies need multiple daily clothing changes. Bring at least six extra outfits in addition to what your baby normally wears in five days. Keep them dry in zipper-close plastic bags.


Remember to pack supplies for your favorite furbabies as part of your hurricane preparedness. You’ll need to make arrangements before the hurricane makes landfall. Don’t wait until the last minute to do this. If you wait until an actual evacuation, rescue officials may forbid you from taking your pets with you. (If you own larger animals, such as horses or livestock, decide how to transport them.)

• Most evacuation shelters don’t accept pets unless they’re service animals. Some will if you can show proof of vaccination.

• Call hotels in a safe area ahead of time and ask if they accept pets, if they accept them for a fee or if they can lift their no-pets policy during an emergency.

• Keep your pets on leashes or in carriers.

• Pack at least three days’ worth of dry food and pop-top canned food.

• Bring cat litter and medications.

• Your pets should wear tags imprinted with their names and your phone number, as well as their microchip number if they have one. (If not, you may want to consider getting them “chipped” in anticipation of a disaster.)

• Take a selfie or two of you with your pet, and keep them with you in case you get separated. Since many animals look similar, your image will help you and your pet reunite faster.

Clothes and Bedding

You’ll have to take the bare necessities with you, so here are the most important items to bring:

• One change of clothes

• Sturdy shoes such as work boots or hiking boots

• Blankets or sleeping bags

• Rain gear

• Hats and gloves

• Since hurricane season runs until November 30, bring thermal clothes to keep warm if you live in northern regions.

Safety Items

Be sure you can take care of your safety needs by having a:

• Fire extinguisher

• Flashlight or battery-operated lantern and extra batteries

• Duct tape and scissors

• Utility knife

• Battery-operated radio so you receive emergency information

• Battery-operated or solar cell phone charger

• Lighter or matches in a waterproof container

• Whistle on a neck chain. Three whistle-bursts are an internationally recognized distress signal.

• Household liquid bleach and a medicine dropper. When diluted nine parts water to one part bleach, this solution can be used as a disinfectant. You can also treat water by using 16 drops of liquid bleach per gallon of water. Iodine tablets will also make your drinking water safe.

First Aid Kit

Without access to medical help, an important part of hurricane preparedness is a first aid kit. The Red Cross suggests that first aid kits for a family of four include:

• 2 absorbent compress dressings (5 x 9 inches)

• 25 adhesive bandages (assorted sizes)

• 1 adhesive cloth tape (10 yards x 1 inch)

• 5 antibiotic ointment packets

• 5 antiseptic wipe packets

• 2 hydrocortisone ointment packets

• 1 roller bandage (4 inches wide)

• 5 sterile gauze pads (4 x 4 inches)

• Oral thermometer

• 2 triangular bandages

• Non-latex gloves

• Tweezers

You can also obtain ready-made first aid kits at drugstores, sporting goods stores, big-box stores or directly from the Red Cross.

Personal Hygiene

These products are convenient to pack and carry and will help tide you over until the cyclone passes:

• Hand sanitizer

• Towelettes and toilet paper. Bring more toilet paper than you think you’ll need.

• Feminine supplies

• Toothpaste and toothbrush

• Plastic bags and ties in lieu of bathrooms

• Disinfectant

Unlike other natural disasters, hurricanes can be anticipated because they have a specific active season. You can take action far in advance to ready yourself for a disaster.

As you’re gathering information and supplies, don’t forget to get technologically-advanced, affordable flood coverage from Neptune Flood. Contact us today and we’ll be there to assist you with one of the most important parts of hurricane preparedness.

flooding, neptune flood

Flooding: The Costliest Disaster

By | Flood Info

Our nation has been slammed by countless natural disasters: the Northridge Earthquake, Hurricane Katrina, the Yosemite National Park Rim Fire of 2013, the Great Appalachian Blizzard of 1950, and many, many more. Each one has been catastrophic, but the costliest disasters are floods. Here’s a look at why floods are the most expensive disasters.


Floods are large amounts of water that surge onto normally dry land. These natural disasters are caused by torrential rain, hurricanes, snowmelt or dam breakage, triggering overflowing streams, rivers, oceans, or lakes.

Floods can sweep away cars, bridges, buildings, and people. They can cause contamination by scooping up dirt, sand, debris, garbage, chemicals, and even human and animal waste. Floods can destroy crops and even uproot trees. Flood waters can rise suddenly and ebb quickly (flash floods), or they may take several days, weeks or even months to rise and recede.


Ninety percent of all natural disasters in the US are floods. Floods are also the costliest natural disaster. High-risk areas aren’t the only ones that are susceptible to floods. Twenty-five percent of flood insurance claims are filed in moderate to low-risk areas. If you happen to be in that 25 percentile, Neptune Flood will apply our specialized melding of technology, math algorithms, and insurance expertise to help you get back on your feet.

According to a study conducted by the National Oceanic and Atmospheric Administration (NOAA), floods in the United States caused about $60.7 billion worth of crop and property damage from 1995 to 2017.


There are many conditions that produce floods, and their effects are often unpredictable:

• Flash Floods — Flash floods cause the highest number of weather-related deaths. They’re caused when rain falls so fast that the ground cannot absorb it. There is usually precious little time between the rain falling and the flash flood beginning. An epic flash flood engulfed Louisville, Kentucky in 2009 when it was hit by a monumental 8.8 inches of rain per hour. Damages from this pummeling totaled approximately $8.5 million.

• Spring Thaw — When snow in colder regions melts in the springtime, it can wreak havoc if it overflows rivers, streams, and lakes. In 2009, Alaska experienced record-breaking floods coursing from snowmelt and ice jams along its rivers. The state buckled under $7.2 million of damages.

• Heavy Rain and Snowmelt — In 2009, the state of Washington was bludgeoned by an onslaught of rain and snowmelt that caused severe flooding and mudslides. Damages soared to $125 million.


Personal property can take severe hits from flood damage. Some of these expenses can include:

• Mold — Mold is a fungus that thrives in the moisture that flood waters deposit in your home. Mold can lodge in walls, attics, and basements and can cause allergies and asthma symptoms. Mold removal can cost approximately $2,000 to $6,000, depending upon the severity of the infestation.

• Basement Flood — Damage to your basement from flood hinges upon how much water seeped into your foundation and the extent of the destruction. It may cost $10,000 to repair damage from water that’s only several inches deep, while repairs for a more extensive flood could set you back between $25,000 and $50,000.


Hurricane Florence dealt North Carolina a huge economic blow. Graham Boyd, chief executive of the Tobacco Growers Association of North Carolina (TGANC), estimates losses could total as much as 125 million pounds of tobacco valued at $250 million to $350 million. In addition, livestock losses in the state are estimated at 5,500 hogs and 3.4 million poultry. Small farms have also experienced formidable setbacks.


When day-to-day business activities are interrupted by a breakdown of communication channels, and by damaged roads, bridges and transportation systems, economic activities grind to a halt. This can cause loss of livelihoods or even ruination of businesses. If these businesses are in a city that is a commercial hub, their destruction could have economic repercussions for the surrounding areas that were unaffected by floods.


If your car was submerged during a flood, it’s probably totaled, and your investment has been washed away. Once water flows through the engine compartment or floods the interior, too many significant parts will be damaged to safely drive your car. You can probably expect the engine, transmission, drive train, brake, fuel, and power steering systems to be ruined.

Flooding is the most common natural disaster and the costliest. Aside from physical ravages, floods can have dire economic consequences. At Neptune Flood, we understand that your finances may have taken a hard hit from flooding. Please contact us so that we can implement our cutting edge technology to provide you with superior coverage that will waterproof your life.


Disaster Preparedness pup

Disaster Preparedness – Emergency Flood Supplies

By | Flood Info

Benjamin Franklin once wisely said, “If you fail to plan, you plan to fail.” That philosophy is just as relevant today as it was in the 1700s. This can apply to countless things, including disaster preparedness – in particular, flood preparedness.

While it may be hard to predict a flood, you can be prepared for one. If you have the right emergency supplies, your odds of surviving a flood will dramatically improve. Here are the supplies you’ll need to ride out the storm:


A disaster supply kit contains basic items that you and your family may need in case of a flood. You must understand that roads will be inaccessible and public transportation will be shut down.

Prepare your flood supplies long before disaster strikes. You may have to evacuate without any notice, and you must be able to quickly and easily take essentials with you.

During or after a flood, you’ll need to have enough food, water, and other supplies to last for at least three days. First responders should arrive after the flood, but they won’t be able to reach everyone right away. You may get help in hours, or you may get help in days.

Basic services such as gas, water, electricity, trash collection, grocery stores, and ATMs could be wiped out for a week or more. Your emergency flood kit should help you hang on.

An important part of preparing for this type of disaster is having flood insurance in place before catastrophe hits. Neptune Flood, providing innovative, budget-friendly flood insurance coverage since 2016, will help you select a policy that can help you recover from flood damage.


Store all of your emergency flood supplies in airtight plastic bags. Then put everything in easy-to-carry duffel bags or plastic bins.


At the minimum, you should stock your flood kit with these items:

• Water — At least one gallon per person per day for drinking, as well as sanitation.

• Food — Pack non-perishable foods that don’t require refrigeration, preparation or cooking. You can bring foods such as canned fruits, canned vegetables, and canned meat. You may also want to bring comfort foods with you such as cookies and candy. Remember to stow a manual can opener too.

• Flashlight and extra batteries

• First aid kit

• Moist towelettes and garbage bags with ties for personal sanitation

• Whistle to signal for help

• Cell phone with chargers and backup battery

• Flares

• Blankets or sleeping bags

• Battery-powered emergency radio

• Cash, change and traveler’s checks. You’ll be unable to use debit or credit cards.

• Comfortable shoes


A more extensive emergency kit should also contain:

• Prescription medications

• Aspirin

• Anti-diarrheal medication

• Feminine hygiene products

• Laxative


You’ll need to take these documents with you so they’re not harmed in the flood and also because they may be difficult to replace after the disaster has passed. Be sure to protect them in a waterproof container:

• Deeds, stocks, bonds, wills, insurance policies

• Bank account numbers, along with credit card numbers and respective companies

• Birth, marriage, death certificates


Remember to pack supplies for your pets’ comfort and safety:

• Medication and veterinary records

• Three to 7 days’ worth of pop-top canned food and dry food

• Food bowls

• Extra collar or harness and extra leash


Supplies must be carefully maintained so that they are up to date and usable:

• Store items in airtight plastic bags.

• Change your stored water every six months so it stays fresh.

• Replace your stored food every six months.

• Make sure your pets’ dry food isn’t stale or spoiled.


It’s impossible to know where you’ll be when a flood strikes, so prepare supplies for vehicles, home, and work:

• Home — Have your kit ready and up to date in case you need to leave your house fast. Make sure your whole family knows where it’s stored.

• Work — You may need to shelter at work for more than 24 hours. Your work kit should be filled with food, water, medicines, and comfortable shoes or sneakers.

• Car — Keep emergency supplies in your car in case you’re stranded. In addition to basic emergency supplies, be sure to carry jumper cables, flares or reflective triangles, cat litter or sand for traction, an ice scraper, and a cell phone charger.

Floods don’t announce themselves. They can strike quickly and with a vengeance. If you’re prepared with emergency flood supplies, you’ll have a better chance of riding one out.

A big part of this preparation is flood insurance. Neptune Flood provides affordable flood coverage that pairs innovative technology with insurance ingenuity. Please call us today for more information. The future of flood insurance is here.

Flood Recovery

Flood Recovery: What to Know

By | Flood Info

Recovery after any flood is difficult, whether you’re suffering from the catastrophic devastation caused by Hurricane Michael or your home was damaged by a small local flood. It can be extraordinarily difficult to accomplish all that needs to be done, but establishing a clear set of priorities is helpful.


You’ve been anxiously waiting to go home, but don’t go in until you’re sure it’s safe.

  • Wear boots or sturdy shoes, eye protection, and heavy gloves. In addition to dangers such as broken construction materials, jagged metal, and glass, watch for snakes, red or fire ants, and other dangerous animals.
  • Check for structural damage before entering.
  • Wear a respirator capable of filtering mold spores if mold is present.
  • Be sure the gas and electricity are turned off and there are no gas leaks. Use only lights powered by batteries.
  • Open windows, doors, closet, and cabinet doors to ventilate home and reduce humidity. If possible, run air conditioner or heater, fans, and dehumidifiers.
  • Remove valuable belongings and clear debris.
  • Do what you can to minimize further damage: Tarp or repair roof and damaged floors, patch holes, and check for leaking water pipes.
  • Pump out basement very carefully. If soil surrounding the basement is still saturated, hydrostatic loads can cause the walls and floors to collapse or crack.
  • NEVER combine chlorine bleach with vinegar, ammonia or household cleaning products as the combination could create toxic fumes.

How Water Damages to Your Home

Many elements of your home are particularly vulnerable to floodwater damage.

  • Wallboard will disintegrate when wet for too long
  • Wood cabinets, doors, window frames, molding, and flooring will warp, swell and decay
  • Electrical components can shock you or cause fires

Mold and Contaminants

  • Mold spreads very quickly after a flood. Breathing in the mold spores can cause a number of serious health issues. Respirators are recommended.
  • Many common household products can be used to clean mold from surfaces. Moldpedia, among others, publishes instructions on various do-it-yourself mold removal methods.
  • Floodwater contains many unknown and potentially dangerous contaminants. Use bottled water for drinking, cooking, and other purposes until wells or public water sources are tested and pronounced safe.

Care for Your Family and Yourself

Your greatest source of strength is your family. Stay together.

  • Everyone is stressed but will react differently. Don’t hesitate to ask for help.
  • Establish a workable schedule.
  • Hold family meetings to talk about your problems, letting all family members express their concerns. Reassure your children and be patient.

Stay Healthy

Make mental and physical health a top priority.

  • Expect floodwaters to be contaminated. Contact with the water should be avoided by those with health issues, pregnant women, and young children.
  • Everything, especially dishes and cooking utensils, should be disinfected.
  • Wash hands thoroughly and frequently with clean water and soap.
  • Try to avoid being injured as any wound can easily become infected.
  • Pay attention to your physical limitations and take or obtain necessary prescription medications.

Financial Assistance

There are several sources of financial assistance.

1. Insurance

  • Contact your insurance agent(s) and your mortgage holder.
  • Homeowners insurance normally covers wind losses and broken water pipes.
  • Flood insurance covers floodwater losses.
  • Wind and hail insurance protects residents of coastal areas from hurricane losses.
  • Ask about coverage for hotels, rental cars, and other living expenses.
  • Find out details on the claims process and when an adjuster will be assigned. Take photos and begin a list of your damages. Separate damaged from undamaged items. Collect receipts and other proofs of purchase.
  1. Government Disaster ProgramsState and/or federal aid programs become available after your community has been declared a disaster area by your governor, the President, or a federal agency. Check with your local government for details on applying for state disaster relief programs. Presidential disaster declarations enable many federal disaster relief programs including:
  • Loans
  • Housing assistance
  • Grants
  • Deductions on income taxes
  • Counseling
  • Assistance with floodproofing your home
  1. Volunteer GroupsVolunteers from the Salvation Army, the American Red Cross, and churches are often among the first to offer help after a disaster. They typically help with immediate flood recovery needs such as clothing, shelter, food, medical aid, and counseling. Neptune Flood is committed to providing the best flood insurance available today. Obtain a quote in minutes – you’ll be surprised by the high limits, additional coverage, and affordable price. Compare Neptune’s coverage to traditional government flood insurance and see for yourself. Backed by some of the world’s largest insurance markets, Neptune Flood offers the flood insurance you need.Visit #LifeWaterproofed today.
Flood Causes

Flood Causes

By | Flood Info

Floods are the #1 natural disaster in the U.S. and worldwide. Damage from floodwaters surpasses the losses caused by hurricanes, tornadoes, or earthquakes – as horrifying and powerful as those catastrophic events are.

The simplest definition of a flood is a large overflow of water onto land that is usually dry. Floods can appear and recede as quickly as it happens with a flash flood. The most catastrophic floods linger for some time, causing loss of life and irreparable damage.

What Causes a Flood?

Flood prevention is a matter of great concern. Floods are primarily a natural phenomenon, but human actions, such as poorly designed infrastructure, can set the stage for a later flood. Understanding the causes is essential to either flood prevention or reducing future flood damage.

Most floods are the result of one of the eight following causes, some natural and some the result of human actions.

1. Heavy Rainfall

For many years, people have designed their infrastructure to move rainwater from where it falls to reservoirs and basins. Most of the time, the system works. No one other than those who support the infrastructure gives a second thought to where the water goes.

Occasionally, a very heavy rain will be too much for the system to handle. The water accumulates faster than it can be taken away. Streets flood. Homes and businesses are flooded by the rising water.

2. Overflowing Rivers

It’s entirely possible to experience river floods without heavy rainfall in your area. People living near rivers are very aware of the fact that if a large storm dumps tremendous quantities of water into the river upstream, then that excess water will flow downstream. This type of flood can be catastrophic but is often predictable and manageable.

Perhaps the best example of this type of flood took place annually in Egypt for thousands of years. The annual flooding of the Nile was a much-anticipated event. The floodwaters left behind incredibly fertile soil that grew the crops needed for trade and to feed their entire civilization.

3. Broken Dams and Levees

Broken dams can cause an incredible amount of damage. In the U.S., most dams and levees were built many years ago. When faced with more water than they can handle, these structures fail, releasing raging waters upon anything in its path. While our infrastructure normally works very well, any structure could potentially fail.

During Hurricane Katrina, the aging levees broke, changing countless lives forever. Thirteen years later, sections of New Orleans’s Ninth Ward still resemble a crumbling ghost town. The story would have been much different if the levees had held.

The Johnstown Flood of 1889 left 2,209 people dead after the South Fork Dam failed. A vast quantity of water exploded through the breaking dam, rushing 14 miles downstream where it totally destroyed the town of Johnstown. Investigation of the disaster eventually resulted in changes to dam management and the U.S. legal system.

4. City Drainage Basins

Many large cities, such as Los Angeles, build concrete drainage basins to contain and manage rainwater. When the rain is especially heavy, the basins can fill up and overflow into low-lying areas.

5. Storm Surges and Tsunamis

Storm surge is one of the most dangerous effects of a hurricane. Powerful winds push water toward the shore, creating life-threatening storm surges that can rage over the tops of homes, sweeping away everything in its path. During Hurricane Katrina, a 34.1 foot High Water Mark was recorded, consisting of a 22 feet high storm surge combined with a 1-foot tide and 11-foot waves. If you live in a two-story house, this storm surge would have totally engulfed your home, crashing over the roof.

Underwater earthquakes can create monstrous waves known as tsunamis. The tsunami that devastated Indonesia in 2004 killed 227,898 people.

6. Lakes, Rivers, and Reservoirs With Steep Sides

A fast runoff of water in a steep-sided narrow channel will rise quickly. This can occur with either natural or man-made channels.

7. Drought and Desert Areas

Trees, shrubs, and other vegetation help to prevent floods by slowing runoff. When there is little vegetation, such as in a desert or drought, the water flows unchecked. A heavy rainfall after a drought can result in a flash flood. Fortunately, reservoirs and basins are normally able to prevent this. In areas where nothing exists to divert the water, flash floods can prove deadly.

8. Melting Ice and Snow

Most people who live near mountains are prepared for spring floods as the snow melts and creates ever-larger streams rushing down the mountain. If there was a much heavier than average snowfall, they know they can expect higher than average water levels and possible floods.

In 2017, the year of Hurricanes Harvey, Irma, and Maria, the average insurance claim after a flood was $91,735. 2018 has also seen substantial flooding. After the recent Florence floods, people living 200 miles from the ocean were flooded. Many never expected to be flooded and had no flood insurance.

Could you afford to rebuild your home and replace all your belongings? Neptune Flood offers peace of mind from the unexpected. If you live in a designated flood zone, your mortgage holder requires flood insurance. However, as happened this year, devastating floods can happen in areas where flooding isn’t anticipated. Also, many homeowners with no mortgages don’t carry flood insurance.

Get a flood insurance quote from Neptune Flood in less than three minutes. Discover how affordable it is. Knowing you’re covered will let you sleep at night.

flood map, neptune flood

Flood Map: What is It?

By | Flood Info

In August 1492, Columbus sailed the ocean blue. He never would have been able to navigate that blue ocean and its hidden dangers, shifting tides, and deadly currents, without a map. The same theory applies to flood waters, whose risks can be charted by modern flood maps. These maps keep communities abreast of local flood possibilities. Here is some information about flood maps and how they can keep your head above water:


Flooding is the United States’ primary natural disaster. Hurricane Florence characterized the utter devastation that flooding can cause. However, even a few inches of water can ruin your home and its contents. (A six-inch-deep creek can explode into 10 feet of raging river in only one hour.) Flood insurance rate maps (FIRMs), created by FEMA (Federal Emergency Management Agency), inform your community about the region’s potential flood risks.


Flood maps are used by a wide variety of people and organizations. Private Citizens, realtors, and insurance agents use them to locate properties in flood insurance danger zones. Community leaders use them to enforce flood management stipulations and intercept flood damage. Federal agencies and lenders use them to decide whether or not flood insurance is necessary for loans, grants, and building construction.


Yes. A flood map determines the cost of insurance so that homeowners can financially gird themselves against costs incurred by flooding. If your degree of risk is low, your insurance premiums will also be low. Flood insurance may be mandatory in high-risk areas. Neptune Flood will use our cutting-edge fusion of technology and insurance expertise to guide you through the complexities of flood insurance selection.


No. They are maps of hypothetical floods, which help residents understand the areas that may be particularly susceptible to flooding.


• LIDAR (Light Detection And Ranging) — LIDAR simulates flow for the entire floodplain in two dimensions. This technology provides an accurate representation of where water will travel during a flood.

• TRIMR2D Computer Model — This computer program is called a flow model because it solves equations that detail the physics of fluid flow. TRIMR2D can compute equations for large areas, as well as ones that have fast flow shifts.

• Geographic Information System (GIS) — GIS is a cutting-edge technology that can be thought of as computer cartography. It pinpoints areas that are likely to be flooded, when the flood will occur, the potential water depth, and when the flood waters will peak.


• Online — These are the most user-friendly flood maps. Simply go to FEMA’s digital service center, and type in your entire address. Their system will generate a highly detailed topographical on-screen flood map, along with a precise legend regarding your area’s flood risk.

• Paper — Paper flood maps specific to your community can be obtained at your local government’s zoning or planning office. One type of paper flood map is called a flat map, with multiple panels that you must assemble yourself. The other type is a one-piece Z-fold map, which resembles a folding road map.


They can, but not via flood maps. Prediction requires the following:

• Assessment of the amount of water falling, in real time.

• Observing the changes in the river’s height, in real time. This can foreshadow the potency of the danger and when it will hit a certain region.

• Ascertaining the storm’s duration, size and intensity. This can help predict the fierceness of a potential flood.

• Cognizance of such things as soil-moisture, ground temperature, snowpack and vegetation in forecasting a flood’s destructiveness.


There are two types of floods: river floods and flash floods. As their name implies, flash floods cause greater loss of life because they leave their victims with little or no time to prepare or escape. River floods, on the other hand, typically cause more property loss because lives are spared but belongings are not. Most floods are caused by some sort of storm.

• Flash flood — This type of flood occurs when a storm’s runoff causes water height to swiftly rise. Flash floods typically happen in areas without enough soil or vegetation to obstruct the water.

• River flood — River flooding is triggered when runoff from severe rainstorms cause waters to slowly rise over a large area. They can also be caused by high tides or ice jams.

Flood maps are an excellent tool for increasing awareness of potential flood danger. They’re not perfect, though. Twenty-five percent of all flood claims are located outside of the “high risk” zones. At Neptune Flood of Pinellas Park, Florida, we offer affordable flood coverage that innovatively merges technology, math algorithms and insurance expertise. Please contact us to discuss how we can waterproof your life.


neptune flood, flood insurance

Flood Insurance Misconceptions

By | Flood Info

There are several misconceptions when it comes to flood insurance. With the threat of hurricanes as well as flooding, Neptune Flood wants you to be aware of these common misconceptions when it comes to insuring your home and its contents. Costly flooding can happen even without a hurricane, so it is best to be educated first.

You don’t want to make the mistake of not having enough insurance if your home is flooded, regardless of the reason. Being educated as well as being prepared for flooding can save you time, money, and frustration in the long run.

Misconception #1: Flood damage is covered by homeowners’ insurance.
Correct fact: Covered in a regular home insurance policy is damage from water leakage, a hole in the roof or a leaking pipe. Flood damage is NOT covered. The difference is that flood water is “rising water” and is not considered the same as what is covered under water damage. You need to have separate flood insurance to ensure that your home and its contents are protected in the event of flooding from storm surge or even rainfall that is torrential; separate insurance covers the home and contents in the event of flooding.

Misconception #2: The NFIP (National Flood Insurance Program) is the only place to buy insurance against flooding.
Correct fact: Private carriers can insure you as well. Neptune Flood is a private carrier who can offer a certified flood endorsement to ensure that everything is covered. Such things as mold damage, swimming pools, hot tubs, and temporary housing are not covered by the NFIP.

Misconception #3: Only those who live in a flood zone need high-risk flood coverage.
Correct fact: The actual fact is that flooding happens in all 50 states and is the most common type of natural disaster. Everyone across the country should be aware of flooding. In fact, one-third of disaster relief from floods goes to residents outside of high-risk flood zones. The FEMA website lists those in high-risk areas; however outside of those areas, as mentioned by FloodSmart, you may need to have additional insurance for flooding. Remember that it takes only an inch of water from flooding to incur thousands of dollars in damage. View the chart to see where there have been claims for flooding in the United States. You will learn that spring and fall storms, as well as torrential rains in the middle of the country, have caused major problems. Both Georgia and Tennessee have experienced this type of rain.

Misconception#4: Only storms cause floods.
Correct fact: Flooding can be caused by dams breaking as well as a difference in water flow above ground and below it. One example is flooding from snow melting.

According to FEMA, no home is completely safe from potential devastation from flooding. Even if your home is not in a high-risk flooding area, your mortgage lender may require that you have it.

Final Thoughts on Insurance for Flooding
That special shed that you built in the back of your house may not be covered by NFIP. Coverage can include this and any other unattached buildings. Your temporary living expenses are important if your home is flooded; that itself is a good reason to have coverage for this added expense.

At Neptune Flood, we want you to be prepared, with more of your assets covered in a policy that might include replacement cost, temporary living expense, basement contents, pool repair/refill, and detached structures. Higher limits of coverage can be included in your policy. With only a ten day waiting period, as opposed to 30 days under NFIP, it makes sense to investigate this insurance option. Our technology could save you some serious money, so it pays to look into our coverage for your home and surroundings if flooding occurs.

flooding, Neptune flood, flood insurance

Flood Water Health Risks

By | Flood Info

After a hurricane or flood has passed, you may be vulnerable to health risks from the flood waters. At Neptune Flood, we want you to be aware of what may be in the water that you are walking in, as well as drink. According to the Center for Disease Control (CDC), standing water poses a variety of threats to health which you know about.

Stomach Distress

If you eat or drink anything that has been contaminated by the water caused by flooding, you are vulnerable to diarrhea. Protection against such unwanted microbes includes:

  • Wash hands after coming in contact with flood water.
  • Do not let kids play in the water from flooding.
  • Wash kids’ hands frequently.
  • Toys that have been contaminated by the waters should not be played with until they are disinfected.

Wound Risks

Open wounds that have come in contact with the waters can become infected. You can protect yourself and your family by following these steps:

  • If you have an open wound, avoid exposure to the waters.
  • A clean and open wound should be covered with a waterproof bandage.
  • Wash wounds with soap and clean water to keep them as clean as possible.
  • Seek immediate medical attention if a wound is red, has swelling or is draining.

Other Health Effects

When the feet are wet or have been in the water for long periods of time, Trench Foot or Immersion Foot can develop. Although it is painful, this condition can be treated and, even better, prevented. Tingling, itching, pain, swelling, blotchiness, and cold skin may be symptoms.
To protect yourself, you should:

  • Dry and clean feet thoroughly.
  • Wear clean and dry socks.
  • Soak affected feet in warm water, between 102° to 110° F for five minutes.
  • Do not wear socks when sleeping.
  • Obtain medical attention promptly.

Having a wound as well may increase the possibility of infection. Check your feet daily for symptoms that are becoming worse.

Hazards From Chemicals

Because flood waters may have moved containers of chemicals or solvents from their usual storage areas, you should be aware of potential hazards.


Water after flooding contains potential drowning risks for everyone, even the best of swimmers. Moving swiftly, water can also be deadly. Standing water that is shallow can also be a dangerous hazard for small children.

Vehicles can be swept away and do not provide protection from flooded waters; they can also easily stall out.

Electrical Hazards

Downed wires can be dangerous and should be avoided. Additionally, power should be turned off if water has been near electrical circuits and equipment. Do not turn it back on until electrical equipment and circuits have been inspected by a qualified electrician.

Follow any included directions for a portable generator for safety.

Insect Wounds and Animal Bites

The waters may contain animals, insects, and reptiles that have been displaced. Walking through water, you should be alert and, if possible, avoid contact. More information for dealing with bites from animals and insects can be found here.

Preventing Wounds

Since flooding waters can contain sharp objects or metal and glass fragments, care should be taken to avoid any objects that can cause a wound that might lead to infection.

Drinking Water

Water may not be safe for drinking. Before the disaster, you should have bottled water on hand as an emergency supply. Water with germs can sometimes be made safe to drink through boiling and disinfecting. However, if the water has been exposed to hazardous chemicals, it will still not be safe to drink.

These are some of the hazards and risks to think about after the advent of flooding. Before the flooding occurs, you should think about adequate insurance to replace items that may have been damaged or lost. Neptune Flood is here to help you with insurance that is backed by Lloyds, one of the largest insurance markets in the world. Maps and technology will help you find the right insurance for your area. With knowledge of avoiding risks and insurance from Neptune Flood, you can be prepared if any flooding does happen.