HEY...Less than 1 star BTW,,,,,, So I went thru a lengthy conversation with Representative April, and finally received a quote, although it went to the wrong email address,, I specifically requeste... See more
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See what reviewers are saying
Joost Elling was fabulous today! He replied to my voicemail and began the process of getting a preliminary flood insurance quote immediately. We then talked via phone several times to get clarity on o... See more
Company replied
I was shocked to see an email stating that over 1400.00 would be deducted from one of my bank accounts for a policy that does not renew until May 25th. There is no reason for a company to take such pa... See more
Company replied
Connor Gleason is Awesome! I emailed Neptune to issue a policy under special circumstances. I was concerned it would be a day or two before I would hear back, since that is the general response time... See more
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Company details
Written by the company
Neptune Flood is the largest private flood insurance company in the United States, offering an entirely digital quote-and-bind process. Neptune offers residential, commercial, and RCBAP products with a 2-minute quote-to-bind process, offering greater coverage limits and additional optional coverages. Flood insurance products are available in all 50 states and Washington, D.C. Neptune also offers Jumpstart parametric earthquake insurance in California, Oregon, and Washington for both residential and business customers. Neptune Flood specializes in providing flood insurance solutions for residential and commercial properties. By leveraging advanced technology, data analytics, and user-friendly online tools, Neptune Flood offers consumers and businesses a fast and efficient way to obtain flood insurance policies tailored to their needs. The company aims to simplify the insurance-buying process while offering competitive rates and comprehensive coverage options. Neptune Flood is backed by top-rated insurance carriers, ensuring that their customers receive reliable financial protection in the event of a flood. Their dedication to superior customer service, along with their cutting-edge approach to flood insurance, makes Neptune Flood a trusted and pioneering force in the industry.
Contact info
400 6th St S. Ste 2, 33701, Saint Petersburg, United States
- 727-202-4815
- support@neptuneflood.com
- neptuneflood.com
4.4
Excellent
267 reviews
Replied to 100% of negative reviews
Typically replies within 1 week
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Think twice before spending…
We purchased specialty pool insurance through Neptune Flood, our pool was damaged during a tropical storm, the property flooded which directly damaged our inground pool. Neptune completely denied the claim. This incident was exactly why we purchased insurance in the first place, we feel taken and will never purchase this type of insurance again. Waste of money!
September 15, 2024
Unprompted review
Reply from Neptune Flood
Hi Robert, thank you for your feedback. Pool Repair & Refill is an optional coverage added to the primary flood policy. While we cannot comment about your specific policy publicly, a pool repair & refill claim must come from a result of flood damage. General damage to your pool not caused by flooding on your property is not covered, as a Neptune policy covers flood-related damage. If you would like to review your claim, please contact your assigned account manager who can help with any questions you may have.
Deceptive practices
The reps are very kind and courteous but they charged me after they raised the price and I said no - I do not want a policy. They then said it may take a month to get my money back. Crooks.
August 11, 2024
Unprompted review
Reply from Neptune Flood
Hi Marie, Thank you for the feedback. While a refund is processed immediately, once the check is printed, it typically takes 7-10 business days for the United States Postal Service (USPS) to deliver. Please know that our team processes refunds swiftly, but once the check is printed, we cannot control the speed at which the USPS handles the delivery.
They never sent any paperwork stating…
They never sent any paperwork stating the policy premium was DOUBLING making flood insurance $3,800 a year. When I called with a new flood policy that was much more reasonable they wouldn’t let me terminate my policy. DO NOT DO BUSINESS WITH NEPTUNE. Had I received paperwork telling my how high my flood insurance was I certainly would have cancelled it. Which is why I believe they didn’t sent us any warning.
July 9, 2024
Unprompted review
Reply from Neptune Flood
Hi Hilary, thank you for the feedback. Neptune sends email and physical mail renewal notices multiple times before the renewal date, starting 75 days prior. This 75-day window allows you to review your policy information and make any changes, including cancelation. Neptune is required to follow the valid cancelation reasons set by the federal government's National Flood Insurance Program (NFIP). If you would like copies of your dated notices, please contact our customer success team at support@neptuneflood.com or 727-202-4815.
I'm writing this review to help you…
I'm writing this review to help you understand what happens when you place a claim and how Neptune treats their customers.
After Hurricane Ian, Neptune never paid us for all the damage caused by the Hurricane Ian. Neptune sent out their own engineering company which of course is working for them. Our home was right in the path of Hurricane Ian.
Citizens paid us 20% over the dwelling policy to rebuild the whole home. Yes, it took over a year. Because of Neptune we are out of pocket for repairing our own stilt pilings thousands of dollars and the bill keeps going up.
Our G.C. & our engineer is rebuilding our home, from 2022-7/9/2024 said the home shifted 3'' this was caused by rushing water. **On top of this Neptune right after the hurricane our bill (not even living in the home, living in a R.V with 2 large dogs) went from $989.000 to $3,120) Please beware this company, Neptune is not backed by FEMA or any government agency, they're a private company, which means your out of pocket of whatever this company doesn't pay you. SHAME ON THEM!!!
SBA has tried to help by calling our agent without one call back.
I now have my proof to take them to court and fight them. We lost everything and someone behind a desk gets a raise by not paying us.
** All Neptune is all about you have insurance for your mortgage holder. Yes, I went for the cheapest policy and learn the hard way. I hope this helps you.
July 9, 2023
Unprompted review
Reply from Neptune Flood
Hi Laura, thank you for the feedback. Neptune sells policies on behalf of insurance companies and does not adjust claims or make coverage determinations. Once a claim is filed, it is the insurance company's responsibility to handle your claim with Peninsula Insurance Bureau. This is for your protection to keep the process objective and fair. While we cannot discuss specific policy information in the public review replies, your policy and claims documentation outlines the adjuster and engineer assessment for covered damage.
Worst Flood Insurance Ever
Worst Flood Insurance Ever – Stay Away!
I purchased a flood insurance policy and the first year was fine. Then it became an absolute nightmare. Here's why you should avoid them at all costs:
Ridiculously High Premiums:
The premiums are outrageously high compared to other companies. Initially, I thought I was getting a fair deal, but they raised it by 300% for no apparent reason! The land and FEMA flood map (100-year floodplain) didn’t change. When I called other companies, they confirmed that my new premium was three times higher than it should be. When I asked why, I was told that their "new" computer software decided I should pay more. Apparently, the company has no control over their prices? They even collected this new premium via my escrow without my agreement. AUTOMATIC. My new monthly mortgage + escrow jumped by $900 a MONTH. It's fine. I didn't want to eat anyhow. Cancel? NOPE. No refunds for unused coverage. I have to survive this mess for 2 more months, hope I don't lose my house, and then pray I can stop them and get a new policy.
Terrible Customer Service:
The customer service is abysmal. Every time I called with a question or concern, I was either put on hold forever or given the runaround by clueless representatives. It seems like no one knows what they’re doing over there.
Overall, Neptune is a complete rip-off. Save yourself the headache and find a reputable company that actually values its customers. This was one of the worst experiences I’ve ever had with an insurance provider.
June 23, 2024
Unprompted review
Reply from Neptune Flood
Hi John, thank you for your feedback. Neptune sends a renewal notice 75 days before the policy renewal date to allow you time to review your coverage options before the new Neptune policy takes effect. We also send multiple mail and email reminders leading up to your renewal date to you, your agent, and your lienholder.
If your policy is billed to your lienholder to be paid through an escrow account, they handle the processing, not Neptune. We do not have the ability to deduct from an escrow account. Neptune is required to follow the valid cancellation reasons set by the National Flood Insurance Program (NFIP). Once you receive your next renewal notice, you can speak to your agent or contact Neptune directly if you would like to cancel your upcoming renewal.
Reply from Neptune Flood
Thank you for the review, Neil!
Terrible customer service!
Terrible! I have tried getting a quote for a week now. This was BEFORE the Miami flooding which in Central Florida we were not affected anyway. The website when I list my address states I have too many daily quote requests (first time I tried a quote that way) - tried the next day - same error. I got two ticket numbers complaining thru the chat, left 2 voicemails with Derek from Rocket Insurance - nothing nada, nix. No call, no email.
Not a trustworthy response!
June 7, 2024
Unprompted review
Reply from Neptune Flood
Hi Elsa, It sounds like you experienced an overload error. This error helps us reduce the number of bots trying to create fake quotes in our system. On rare occasions, it can mistakenly show up, which seems to be the case here. If you need assistance with a quote, our customer success team can help you at 727-202-4815 or support@neptuneflood.com.
Reply from Neptune Flood
Thank you for the review!
Over Price
Try talking to them they give you one quote but ending up charging you the high quote
May 29, 2024
Reply from Neptune Flood
Thank you for the feedback, Mashell. Our team is available to answer any questions or to help review your policy.
Reply from Neptune Flood
Thank you for the review, Taylor!
Reply from Neptune Flood
Robin, thank you for the review!
Reply from Neptune Flood
Thank you for the review, Evelyn!
Underwriter JanCarlos was super helpful…
Underwriter JanCarlos was super helpful as well as knowledgeable. Thank you Neptune for having people like this!!
May 21, 2024
Reply from Neptune Flood
Thank you for the review, Steven! We're lucky to have great team members like JanCarlos here at Neptune to take care of our customers.
Reply from Neptune Flood
Alex, thank you for the review!
Easy process, great service.
Easy process. Comprehensive product, good service and pricing. Great experience.
May 6, 2024
Reply from Neptune Flood
Thank you for the review, Kristi!
Thank you
Thank you, NEPTUNE, for a Quick response; Easy to handle questions; and Rapid coverage.
Your SERVICE was: As Advertised; which is what Most of your Customers are 'looking for'.
May 2, 2024
Reply from Neptune Flood
Thank you for the review, Thomas. Our team works hard to ensure the process is simple to understand and navigate.
Reply from Neptune Flood
Thank you for the review, Jed!
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