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Safety First

Because our first priority is to make sure you and your family are protected, please do not enter your home unless you’re sure it’s safe. Depending on the cause of flooding, there may be exposed electrical wires or a natural gas leak.  If you have any doubt about the physical or environmental safety of your home, do not enter.

Once you have secured the safety of your family, contact us immediately.  We can send emergency services to your home to minimize additional damage to your home and property.  Your home may be uninhabitable from the loss and if you added temporary living expense to your flood policy, you can be reimbursed for your temporary housing and meal expenses.


Our simple and convenient claims service offers options 24/7 to report your claim:

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[email protected]

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or contact your local Neptune agent who wrote your policy and they can submit a claim on your behalf.

Your Neptune Claim Adjuster will contact you and be your guide throughout the short claim process. They will explain what we need from you, what you will get from us, and review what is covered in the custom policy you purchased.

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What You Can Do to Accelerate The Process

You will likely be the first to see the damage of your property.  Take photos and videos of any damage and when possible, separate and protect any undamaged property.  Create a detailed list of all damaged and destroyed items.  Maintain a file of important information related to your claim, including:

  1. Your claim number
  2. Your claim adjuster’s name and contact information
  3. Photos/Videos of damage
  4. Receipts, repair bills or estimates
  5. Detailed list of damaged or lost property
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The Claim Process After Reporting

We understand how devastating and overwhelming it can be to experience the loss of something you valued. Preventing additional loss and quickly resolving a covered loss is our mission. You can expect to be the center of attention and receive superior service from our experienced team of claims professionals. View our Guide to Claims for an overview of the claims process and what you can expect.

Claim Process Timeline

process timeline

By working together, we can keep the process moving to resolve your loss as soon as possible. Many claims can be resolved within 14 days from your initial report, but the timeline sometimes depends on the extent of damage you and your community experience. View our Guide to Claims above for a more detailed overview.