InsuroxReviews of insurox.com

Response from InsuroxAug 29, 2025

Hello Alena, We are very sorry to hear about your frustration and want to clarify some important details for future policyholders who may read this review. Flood insurance policies—whether purchased through our agency or any other—are regulated by strict federal guidelines. No flood insurance company will allow a mid-term cancellation without official proof that the property was sold, coverage was replaced, or that the mortgage company no longer requires flood insurance. As your mortgage company (PennyMac) is listed on the policy, their written release or documentation is required before any cancellation can be processed. This is not unique to your policy, and it is not something our agency can override. Our team did not raise your premium “three times” or block your cancellation; we simply communicated the carrier’s requirements. Suggesting otherwise misrepresents the situation and unfairly reflects on our agency. We understand the process can feel frustrating, especially during a home sale, and we do our best to guide our clients through the necessary steps. While we regret that this experience left you dissatisfied, please know that we are here to help you gather the correct documents so your cancellation can be finalized. Sincerely, The Insurox Team

Response from InsuroxApr 17, 2025

Thank you for your feedback, and we understand your initial frustration. The pricing issue you experienced was due to a temporary glitch in our vendor’s API integration, and we notified you right away—before any policy was issued or payment collected. We’re happy that despite the inconvenience, you gave us another chance and ultimately chose to move forward with a policy through Insurox. Your trust means a lot to us. We remain committed to transparency, accuracy, and excellent service, and we’re always here if you need anything. — The Insurox Team

Response from InsuroxJul 20, 2023

Thank you for your feedback. We understand there was some confusion regarding the policy start dates. At the time, your existing flood insurance policy with us was active until 09/01/2023, and we informed you that it couldn't be cancelled before that date. Additionally, the carrier you selected for your new policy—Beyond Flood—only allows policies to be issued with an effective date no more than 30 days in advance. Our team made every effort to clarify the process and timeline, and we responded promptly to your quote requests and questions. We’re always here to help and appreciate the opportunity to assist you. — The Insurox Team

Response from InsuroxDec 14, 2022

Thank you for your feedback. We’re truly sorry to hear about your experience and appreciate the opportunity to clarify the situation. Insurox is an insurance agency, and we work with several highly rated carriers—including Neptune Flood—to offer our clients competitive flood insurance options. While we understand your concerns, please note that all policies are underwritten by licensed insurance companies, and our role is to help facilitate that coverage. According to our records, the first cancellation request was made in October 2022, with a request to backdate the cancellation to May. In order to process a backdated cancellation and ensure proper refund, both a FEMA determination letter and confirmation from your lender were required—either a formal letter or a copy of a loan statement showing flood insurance was no longer required. The FEMA letter was received promptly, and the lender documentation was provided at a later time. Once both were received, the policy was canceled effective 05/17/2022 as requested, and a full refund was issued—no premium was lost. Regarding the call, we reviewed the recording and it appears there was a technical issue resulting in a dropped call. Our representative attempted to call you back and also followed up via email and voicemail to assist further. We’re committed to clear communication and transparency, and we’re sorry you felt let down in this instance. If there is anything else we can do to support you, we’d be happy to help. — The Insurox Team

Response from InsuroxJun 24, 2022

We needed to confirm your lender would accept private flood insurance and needed to confirm the mortgagee clause. We have left several messages and emailed you multiple times without response.

Response from InsuroxJan 30, 2022

The application was submitted with inaccurate information (2 claims were not reported at the time of the submission). We discovered them afterwards. We did follow up with you in few days letting you know that all companies declined. For properties like yours sometimes it's impossible to get immediate insurance company decision.