re: Anyone use Private Flood Insurance, eg Neptune Flood Insurance?

What we decided to do was go private insurance but at a building coverage level equivalent to NFIP.

It will cost ~$200/yr more than NFIP but we get replacement cost and temporary housing gcosts.

Our agent mentioned the hassles in dealing with 2 outfits with the excess coverage.

She also re-iterated what another poster said about flood rarely being a full rebuild for our circumstances.

All i can say is - shop around for the coverage that fits your specific circumstance. having a multi-line agent will help. We shop homeowners and auto every 2-3 years to knock downs costs as well.