Neptune Flood Reviews 

306
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Considering 58 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently commend the staff for their exceptional helpfulness, professionalism, and extensive knowledge, often noting how employees go above and beyond to assist with inquiries and provide clear explanations. Many people highlight the remarkably quick response times, appreciating that their questions are answered promptly, and complex issues are resolved efficiently and without delay. The overall service and customer support are consistently described as excellent, making the entire experience easy, pleasant, and straightforward for consumers. Reviewers particularly value the smooth process and the personalized attention received, contributing to a highly satisfactory interaction.

What people talk about most

Staff

Customers consistently note positive experiences with staff, highlighting their helpfulness, efficiency, and... See more

Response time

Clients share positive opinions on response time, with many reviewers highlighting the super-fast turnaround... See more

Service

Customers had positive experiences with service, often highlighting prompt, efficient, and professional... See more

Customer service

Consumers find customer service to be positive, with many reviewers praising the responsiveness and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Connor went above and beyond to handle my Clients needs and as an Agent, I couldn't ask for better service!! Neptune is amazing for Flood Coverage and their Team is super responsive! 101 out of 10 wou... See more

Company replied

Rated 5 out of 5 stars

I spoke with many agents..I admit, I ask a lot of questions so I understand what I am buying...Plus this was a confusing transition from Palomar to Neptune via USAA with changes in coverage and to tra... 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

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


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

4.5

Excellent

TrustScore 4.5 out of 5

306 reviews

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4.5

All reviews

(306)

62 reviews in the last 12 months

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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

November 5, 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.

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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 !

September 19, 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.

August 3, 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

July 20, 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.

July 7, 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.

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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

June 26, 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

July 8, 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!

July 2, 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.

May 9, 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.

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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.

June 6, 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.

June 28, 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

June 20, 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!

June 11, 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review, Michael!

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Rated 5 out of 5 stars

Mortgage company caused issues for…

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

June 1, 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!

May 29, 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.

Rated 3 out of 5 stars

Not Sure Yet

It was easy to sign up and the rep answered all my questions. I can't really give an opinion on how responsive the company is because I have never filed a claim. I will say I am disappointed that if I pay by credit card, I am charged a fee. I don't like giving companies access to take money from my checking or savings account. Therefore, I had to pay with a check through snail mail, which took almost 2 weeks to reach Neptune and be posted to my account.

May 1, 2025
Unprompted review
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Reply from Neptune Flood

Thank you for your feedback. Neptune offers four convenient ways to pay, including by check, which does not incur a fee. If you have questions about your policy or payments, please contact our customer success team at support@neptuneflood.com or 727-202-4815.

Rated 5 out of 5 stars

Rachel was awesome

Rachel was awesome. Everytime I call they take care of the problem right away. No going back and fourth between different departments.

May 23, 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review! All of our customer success team members are fully licensed, allowing them to handle most questions and changes without transferring you to someone else. We're happy to hear Rachel was able to answer your question quickly.

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Rated 5 out of 5 stars

Super easy!

Super easy!

May 5, 2025
Unprompted review
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Reply from Neptune Flood

Tammy, we're glad to hear you found our platform super easy to get flood coverage! We strive to make it as simple as possible for people like you to get the protection they want against flooding.

Rated 5 out of 5 stars

Amber is very professional and patient

Amber is very professional and patient. She listened to my question and them made a suggestion that I quickly accepted. I even received the email within 3 minutes after our call. I really appreciate her professionalism and especially in today's business environment.

May 21, 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review, Steve! Our team members are here to make obtaining and managing your flood policy easy.

Rated 5 out of 5 stars

Kasey’s Help

Kasey handled my cancellation which was due to the sale of my property, swiftly and efficiently. Thank you Kasey!

May 21, 2025
Unprompted review
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Reply from Neptune Flood

Michele, thank you for the review! While we're sad to see you go, we're glad to hear Kasey was able to handle your cancellation quickly.

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