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Business Profile

Flood Insurance

The Flood Insurance Guru
BBB accredited business seal
BBB Accredited BusinessA-Rated by BBB

Complaints

Customer Complaints Summary

  • 1 complaint in the last 3 years.
  • 0 complaints closed in the last 12 months.

If you've experienced an issue

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/25/2023

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was notified in December that I had to purchase flood insurance on my home. I contacted The Flood Insurance Guru and was issued a policy on 12/13/2022. At that time I paid the whole premium of $242.10 (this amount is with processing fees for a CC). On 12/16/022 I received a notice from my mortgage company stating they had also paid the premium of $233.91. On 12/29/2022 the insurance company that the policy is through (National Catastrohpe Insurance Program, **************, **) sent me a letter stating they had received a duplicate payment and had reimbursed the $233.91 to ********************** DBA The Flood Insurance Guru. As of today, 4/23/2023, I have not received a refund for the duplicate payment. I have contacted them several times and was told they would either credit my CC company and/or send me the payment. Neither has happened. At this point, I have paid in full my CC company and would like a check mailed to me. Also, as of 4/23/2023, this policy has cost me approximately $725.00 as I have paid the insurance company and also had to replace the money in my escrow account.

    Business Response

    Date: 05/11/2023

    We have mailed refund checks to ********************* in Jan 2023 and Feb 203 after we received it from the carrier. However to this date neither check has been cashed. We also recommended doing it electronically through paypal, venmo, or zelle.

    Customer Answer

    Date: 05/11/2023

    The last time I heard from *********************** was on 2/9/2023 asking me for a good address to send the refund to and I responded right away with the address.  I had called several times and all calls went to voice mail.  I had left a message once and called back several other times and received no response.  A letter was received by me on 12/29/2022 from NCIP (the carrier) stating they had sent the refund to ********************** LLC DBA The Flood Insurance Guru and not to me.  I also do not do any cash apps or electronic payments.

    Business Response

    Date: 05/18/2023

    another refund check was mailed on 5/10/2023 however we do not see that this check has been cashed yet

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