Reviews
This profile includes reviews for Neptune Flood Incorporated's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 34 Customer Reviews
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Review fromStephen M
Date: 02/13/2023
1 starStephen M
Date: 02/13/2023
Purchased a policy 4/28/2022 on a brand new property not in a flood zone, premium first year $549 and now just got the renewal for $693 an absurd increase of $144. Dont be fooled by the private insurance companies they bait you in then jack you up with an increase of 3x inflation for the past year.
Neptune Flood Incorporated
Date: 03/22/2023
*******, Neptune evaluates properties based on numerous data points to calculate an accurate risk rating. This may increase (or decrease) the cost for a property as new and updated data becomes available during renewal. If you have any additional questions or comments, please contact ******************************************************.
Review fromRichard L
Date: 12/19/2022
5 starsRichard L
Date: 12/19/2022
So far so good for me. I'm a little confused by the negative reviews. Most insurance companies will only issue a pro-rated amount if you cancel mid policy. Obviously you have to pay for the months you were insured and the company was liable for any losses your might have incurred. Otherwise we could all get insurance and then cancel on the 11th month walking away with a full refund and the peace of mind knowing we were covered if something had happened. My premium went up by about $50 a year. I don't live in a flood zone, flood insurance is not required on my mortgage, and I only bought it for peace of mind. I wish there was a way for me to pre-pay my next renewal in installments now.Neptune Flood Incorporated
Date: 03/22/2023
Thank you for the positive review, *******. We work hard to make protecting your property easy!Review fromTyris F
Date: 12/01/2022
1 starTyris F
Date: 12/01/2022
I didn't even know I was purchasing from Neptune. I bought from Insurox and didn't realize that is a third party and my real insurer is Neptune. I requested to cancel my flood policy in May and they still will not cancel it and refund me 7 months later. I received a letter from FEMA stating my home is not in a flood zone. Neptune said they needed a letter from my lender as well, even though my lender only goes by what FEMA says. My lender said they would not send a letter to Neptune, but they did get on a 3-way call with the insurer and told them flood insurance was no longer required after the FEMA determination. That still wasn't good enough. I have tried and tried for months to get the policy cancelled and refunded. I've received two more renewal notices after they told me the policy would not renew again. With every issue I had, they blames Insurox, and of course with every issue I complained about to Insurox, they blamed Neptune since they are the insurer. They are a terrible company with no customer service. Devon R. was condescending to me when I tried to explain the situation. He said they cancel policies every day and no one else has issues. Apparently not. Every review on here is 1 star. Make sure you read the fine print on your policy to avoid dealing with this company at all costs. It will end up costing you hundreds extra. I have filed a complaint with my state attorney general and will continue with other legal avenues.Neptune Flood Incorporated
Date: 12/07/2022
*******, our team has reached out and we have resolved the issue with your policy. Please contact us at ****************************************************** if you need further assistance.Review fromHeather L
Date: 10/14/2022
1 starHeather L
Date: 10/14/2022
just came to my renewal and they got paid for my mortgage servicer. They sent me a notice of cancellation in one envelope and another with a check of my premium for my policy and cancelled me and said they will need renew. They increase the policy premium by 25%.They didn't inform anyone. She didn't even know the mortgage company name until she put me on hold after i said you do know who they are they contacted you and paid you!!! Unbelievable ...awful company and recommend you do NOT do business with them. They stated they told my agent...news to me. what about telling the client or calling the mortgage companyNeptune Flood Incorporated
Date: 10/17/2022
Neptune Flood keeps time stamped email and mail notification history for each recipient for each policy and can provide copies if requested.
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