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
4.3
Excellent
268 reviews
Replied to 100% of negative reviews
Typically replies within 48 hours
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Great at letting me know about policy…
Great at letting me know about policy changes and premium due date. Easy to pay premium.
October 2, 2023
Reply from Neptune Flood
Thank you for the review, Tristan!
Very easy to work with. Does not Tyr to upsell anything. Very reasonable price.
Very easy to work with. Does not Tyr to upsell anything. Very reasonable price
September 17, 2023
Reply from Neptune Flood
Thank you for the review, Katy! Our team is here if you need any assistance with your policy.
Affordable flood insurance.
September 25, 2023
Reply from Neptune Flood
Thank you for the review, Gregory!
Great rates and friendly staff
September 15, 2023
Reply from Neptune Flood
Thank you for the review, William. Our team is here to answer any questions you may have about your policy.
Your billing was in advance.
Your billing was in advance, so that I could plan my budget.
I've never had a claim, and I hope I never do.
I appreciate the coverage as flood insurance offered by the company who provides my homeowner insurance is completely inadequate.
September 21, 2023
Reply from Neptune Flood
Thank you for the review and for choosing Neptune! We're always here to answer any questions you may have about your flood insurance policy.
Reply from Neptune Flood
Thank you for the review, Deane!
Kind and Caring Company
This is my 3rd year with Neptune Flood, they have always been resonably affordable. The staff has been very helpful and always resolved any questions I had. I would recommend them highly.
September 15, 2023
Reply from Neptune Flood
Thank you for the review, Jerry! We're happy to hear you've trusted Neptune for three years to provide flood coverage. Our team is always here and ready to answer any questions you may have.
I don't like being forced to pay for…
I don't like being forced to pay for this insurance. The map was marked wrong ,I am the only one paying no ody else is and there houses are a lower level then my house.
September 6, 2023
Reply from Neptune Flood
Hi Scott, thank you for the feedback. The Federal Emergency Management Agency (FEMA) controls the mapping of which properties are in a designated flood zone, not Neptune.
If you feel your property has been incorrectly designated, you, with your lender, can submit a Letter of Determination Review (LODR) for FEMA to review your property. It is up to your lender to waive the flood insurance requirement if FEMA does change your zone, though they are not required to.
It's insanely expensive and you are a…
It's insanely expensive and you are a monopoly.
September 13, 2023
Reply from Neptune Flood
Thank you for the feedback, Edward.
Was easy to sign up for coverage
September 13, 2023
Reply from Neptune Flood
Thank you for the review. Our team works hard to ensure protecting your property with Neptune is easy.
Customer rep was very helpful
September 12, 2023
Reply from Neptune Flood
Thank you for the review, Thomas. We're glad our team was able to assist you.
According to the FEMA map
According to the FEMA map, my house is not in a flood zone, but FEMA wanted a new updated survey done, so they told my mortgage company that I was in a flood zone, forcing me to either get a LOMA and pay for a survey, or get flood insurance. Fortunately Neptune only charged me 650 per year, that I had to pay out of pocket, the full amount, right away (no monthly payments). So I guess when you're getting screwed, everyone gets a turn, and Neptune was very good at it.
September 7, 2023
Reply from Neptune Flood
Thank you for the review, Rand!
This year is too expensive!!!
I have been having this company for many years. Unfortunately, the price went so high and nobody gave me an explanation. It went from one thousand something to almost 4000!!! I have been busy taking care of my elderly mom and working a full time job so I didnt have time to call them and have a conversation with them. I kind of wanted to stop business with them but i didnt have time. Why are they doing this???? It is too expensive this year guys!
September 4, 2023
Reply from Neptune Flood
Hi Judith, thank you for the feedback. Pricing for a property varies based on the individual risk and is reviewed each year upon renewal. While we can't speak about specific details about your policy on this public page, you are able to reach out to our customer support team at 727-202-4815 to discuss your policy. You have the ability to cancel your policy before the policy renewal date.
I don't appreciate Bate and Switch
I don't appreciate Bate and Switch, I don't appreciate why charging for a policy origination, as much as you charge for the policy?
I had asked for refund, and Now I have to wait for the response....
Horrible experience!
September 3, 2023
Reply from Neptune Flood
Thank you for the feedback. We understand our team is working with you, and a refund has been started.
My questions about the policy were…billing
My questions about the policy were answered quickly,politely and professionally by the people i spoke with.
August 28, 2023
Reply from Neptune Flood
Thank you for the review, David!
It was a simple process!
I was able to apply online. The application was pretty straightforward. The system was user friendly. I did have one question and it was answered in a timely manner so I could complete the process.
August 11, 2023
Reply from Neptune Flood
Thank you for the review, Sheril. We are here to answer any questions you may have about your policy.
Buying was easy
Buying was easy, understanding the policy seems easy, price was competitive. I won't know if they do a great job completely, though, unless I have to file a claim someday.
August 17, 2023
Reply from Neptune Flood
Thank you for the review, Ed! We're available 24/7 when you need to submit a claim.
I haven't needed to use flood insurance…
I haven't needed to use flood insurance yet, which is great, but gentleman who dealt with getting me insured was very helpful.
August 22, 2023
Reply from Neptune Flood
Thank you for the review, Pamela! We're glad to hear our team was able to get you Neptune coverage quickly.
Taking so long to get a claim
August 13, 2023
Reply from Neptune Flood
Thank you for your feedback. While we can't discuss specific policy or claims information here, please contact your claims specialist for updates regarding the timeline and process.
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