Neptune Flood Reviews 271

TrustScore 4.5 out of 5

4.3

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Rated 5 out of 5 stars

Nicole St Williams was FABULOUS and went above and beyond to help me. She responded so quickly to my question, and then kept going with me when I had follow-up questions and difficulty getting onto t... See more

Company replied

Rated 1 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Company details

  1. Insurance Company
  2. Insurance Agency

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

4.3

Excellent

TrustScore 4.5 out of 5

271 reviews

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Replied to 100% of negative reviews

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Rated 5 out of 5 stars

Mia Piperato - 5 Starts

Mia Piperato is amazing asset to your team. She is kind, respectful, knowledgeable, and quick to help.

20 January 2026
Unprompted review
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Reply from Neptune Flood

Justin, thank you for the review! We're glad to hear Mia was able to help you, and we're happy to have her here at Neptune.

Rated 5 out of 5 stars

The insurance is affordable and gives…

The insurance is affordable and gives you peace of mind during the stormy season. Additionally, customer service is timely and employees are communicative and helpful. Highly recommend.

11 January 2026
Unprompted review
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Reply from Neptune Flood

Cheril, thank you for the review! Our team is always here if you have any questions or need assistance with your policy. Thank you for choosing Neptune.

Rated 1 out of 5 stars

They charged me for a cancelled policy…

They charged me for a cancelled policy and claim that since they us 3rd party billing they can not return the funds. Someone has over $600 in a policy premium for a policy that is cancelled and Neptune is refusing to assist getting my money back that should not have even charged in the first place. This happened over a month ago and I am still trying to get is resolved. Will never use again.

10 December 2025
Unprompted review
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Reply from Neptune Flood

Hello. Your payment was in the process of being refunded, but since you disputed the charge with your credit card issuer, the funds were frozen during the dispute process. Once that dispute is cleared, the funds will be refunded to your card. At this time, it is not within our control due to the dispute you submitted.

Rated 1 out of 5 stars

Unethical

This company is using other insurance companies to require their insurance and if you don't get the insurance they will still charge you. Very unethical!

23 December 2025
Unprompted review
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Reply from Neptune Flood

Hi Detrick. Neptune does not require anyone to obtain a policy. Additionally, you are not charged for a policy until you agree to the policy and provide payment information. There is no way for Neptune to collect payment for a policy if you did not provide payment information. If you need additional assistance, please contact us at support@neptuneflood.com.

Rated 5 out of 5 stars

Quick and Easy

Was easy to determine what kind of policy I needed, to get a proposal, several actually, and come back and pick up where I left off working towards policy purchase. Had one issue, post policy issue that was easily resolved by customer service.

2 December 2025
Unprompted review
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Reply from Neptune Flood

Dave, thank you for the review!

Rated 5 out of 5 stars

Nicole was absolutely stellar!

Nicole was absolutely stellar!! Not only was she super pleasant, she was informative and resolved my issue within minutes!! Great employee to represent Neptune

5 November 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review! We're glad to hear Nicole was able to assist you and answer your question quickly.

Rated 5 out of 5 stars

Kyle Folland was my Neptune…

Kyle Folland was my Neptune Representative & he was excellent ! He guided me through the whole process & he helped me cancel one of my policies because I actually double booked so I had 2 flood policies & he helped me & he initiated my refund on the canceled one since I had paid twice !

19 September 2025
Unprompted review
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Reply from Neptune Flood

Dan, thank you for the review! We're happy to hear Kyle was able to address your questions and resolve your concern.

Rated 1 out of 5 stars

Flood insurance is an optional product…

Flood insurance is an optional product for my location. I tried Neptune Flood and decided not to renew. The company has renewed the policy without payment and will not stop baggering me for payment, citing that it's "the law" and policy. I informed both my agent and Neptune Flood that I would not be renewing. The company states they will cancel the policy (that I did not sign for) after 30 days of "non payment". I don't appreciate being labeled as "non payment" and have a feeling others with outstanding credit histories would feel the same. If I ever need Flood insurance again, this treatment will definately affect who I decide to chose and hopefully help others be informed as well.

3 August 2025
Unprompted review
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Reply from Neptune Flood

As an existing Neptune policyholder, we send renewal policy information 75 days before your existing policy expiration to allow adequate time to review the new policy details. You are not obligated to continue flood coverage with Neptune. We send reminders about your policy renewal status so you don't lose coverage unintentionally.

Additionally, Neptune does not report to credit agencies. Any renewal policy that is not paid will be cancelled and will not affect your credit history.

Rated 5 out of 5 stars

Fast Online Service

I was able to get my flood insurance done in a brief website visit. my coverage is great. recommended

20 July 2025
Unprompted review
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Reply from Neptune Flood

Ray, thank you for the review. We focus on making the process easy and fast so you can get the flood coverage you need quickly!

Rated 5 out of 5 stars

I contacted the company due to a double…

I contacted the company due to a double payment for my flood insurance. Conner Gleason responded and after his research confirmed the double payment and told me I would receive the refund in 30 days. I received it in less than 2 weeks. I appreciate the quick response.

7 July 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review, Jane! We're happy to hear Connor was able to answer your question and explain the refund process.

Rated 1 out of 5 stars

This company is a ripoff

This company is a ripoff. They cancel your policy cause the don't ask all the appropriate questions and you have to tell them they missed something during application. Your honest with them and then they cancel cause they messed up and won't give you your money back. I have called a numerous of times and they keep saying it should not be much longer

26 June 2025
Unprompted review
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Reply from Neptune Flood

Ali, thank you for your feedback. For assistance, please contact our customer success team to review your policy details.

Rated 1 out of 5 stars

STAY CLEAR!!

Biggest scam of insurance companies out there. I would stay clear of this company . When they cancel you policy and hold your money not wanting to give it back to you. Bunch of crooks of an insurance company

8 July 2025
Unprompted review
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Reply from Neptune Flood

Hello Mike, thank you for the feedback. Due to bank processing, refunds can take up to 30 days, but they typically arrive sooner.

Rated 5 out of 5 stars

My success representative

My service representative, Nadia Vera, was knowledgeable and helpful!

2 July 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review, Margaret! We're happy to hear Nadia was able to assist you.

Rated 5 out of 5 stars

Tye Petrotta went above and beyond with…

Tye Petrotta went above and beyond with helping me with flood insurance for one of my rental property. We had to make many back and fort phone calls in order to make it happen. He kept an amazing energy. That’s why I took this time out to recognized amazing work.

9 May 2025
Unprompted review
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Reply from Neptune Flood

Kasean, thank you for the review! We're glad to hear Tye was able to assist you in obtaining your Neptune flood insurance policy.

Rated 5 out of 5 stars

Each Insurance options quoted separately

Easy data input, insurance quote came with multiple insurance rider options and the add-on price for each one.

Final quote for my house (not in flood plain) was much lower than the standard FEMA quote.

6 June 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review, Thomas! We're happy to hear you had a positive experience when quoting with Neptune. You've made the wise decision to obtain flood insurance coverage. All properties are at risk of flooding, even in low-risk zones like yours!

Rated 3 out of 5 stars

All my neighbors around me pay less…

All my neighbors around me pay less than I do by a couple of hundred dollars all different companies ,
Allstate, Gambale, to name a few.

28 June 2025
Unprompted review
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Reply from Neptune Flood

Hi Tom. Your policy premium may be different than your neighbors because, as you stated in your review, they are using different companies. Each insurance provider may have different underwriting criteria depending on who they select for their flood insurance provider.

Rated 5 out of 5 stars

Fast, friendly, and helpful

I called in and received the exact answers I needed, to questions I invested some time in trying to resolve on my own. Eddie was very friendly and knowledgable! Thanks again

20 June 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review, Tyler! We're glad to hear Eddie was about to answer your questions.

Rated 5 out of 5 stars

Fast and efficient

Nadia answered my question quickly and efficiently so that I could get my invoice paid. Thank you Nadia!

11 June 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review, Michael!

Rated 5 out of 5 stars

Mortgage company caused issues for…

Mortgage company caused issues for me...Neptune helped fix them.

1 June 2025
Unprompted review
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Reply from Neptune Flood

Pat, while we're sorry to hear you had issues with your mortgage company, we're glad to hear our team was able to help fix them! Our team is always here to help if you have any additional questions.

Rated 5 out of 5 stars

Easy, Friendly, and Efficient!

Recently submitted a request for more information with Neptune Flood Insurance and was impressed by how quickly I was contacted. Kyle was fantastic - he provided three different quotes to compare and responded to all my questions within minutes. The entire process was incredibly easy and efficient. Within the hour, I found the perfect policy and got covered. Overall, a great new customer experience with fast, friendly support and a seamless process. Highly recommended!

29 May 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review, Johanna-Christine! Kyle and our entire Neptune team are here to help you get the best coverage and answer any questions you may have. Thank you for choosing Neptune for your flood insurance.

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