Neptune Flood Incorporated
Reviews and Complaints

I attempted to purchase a policy through Neptune. I added my payment information on their website, and only then did they allow me access to read the fine print. Upon reading the fine print, I elected not to purchase the policy. But it was too late, they had already taken my money. Now they are slow walking getting me the refund and refusing to allow me to talk to senior management to get the refund turned around in a timely manner.

Bottom line, no thanks, I will never use Neptune in the future for anything.

The absolute worst insurance broker I've ever dealt with. So I thought I'd share in case you've made the mistake of doing business with them - run now. Last year, when I purchased my home, I signed up with them for a flood insurance policy for $458.00 for the year. This year, they claimed I was in a new flood zone and it would now cost $1824.00. I found another broker who could do it for $696.00 I'll chalk that up to inflation. So wires got crossed and my [censored] mortgage company paid both brokers. They paid the one I have canceled on October 24. I contacted them about a refund. They tell me they just received the payment - for a canceled policy that never took affect mind you - and I will have to wait up to 30 days for the refund. Here's the kicker - both brokers are dealing with the exact same insurance company. I have no idea what the insurance company is being paid, but the Neptune brokers are obviously making a killing while LYING to their customer base. Keep in mind - I went through Hurricane Florence - the WORST hurricane to ever hit my city. And the home I live in now, DID NOT FLOOD. But last year, four years AFTER Hurricane Florence, the flood plain for this home changed and warranted quadrupling the premium? Can you imagine if you actually needed to make a claim with these shysters? I hope they go down hard.

I had a flood and Neptune Flood Incorporated was supposed to cover it, but they denied my claim. They even hired inspectors who tried to underestimate the damages. It's really frustrating when you trust a company to protect you and they let you down like this.

Stay away. Get coverage somewhere else. I cancelled my coverage on July 13 and waited for a refund. When I finally got the refund, they told me it was less than the original amount because I didn't give a reason for cancelling, even though I did. They said they would change the cancellation date to August 3rd and give me a new refund, which would be about the same amount. This company can't be trusted.

I bought a flood policy from Nepture. Turns out, I didn't need it for the property I got. But when I tried to cancel it, Neptune wouldn't let me. They didn't offer any solution or try to fix things. They just said I gotta wait till the policy is up for renewal. They didn't make it clear when I bought it. So, be careful, find another place to shop.

Just got 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 company.

I totally agree with the omitted review!

I canceled my flood insurance about 75% into the one year purchase because I found way better flood coverage for a cheaper price. It was a no-brainer, right? Well, turns out I was wrong. Just like the reviewer, nobody bothered to inform me about this and when I tried to cancel, they said I couldn't do it partially because of "duplicate" coverage. It would have been nice to know this beforehand, now all the savings I thought I was getting are gone.

I've canceled insurance policies so many times in my life, probably more than a dozen, and I always got a refund that was adjusted based on the time left. But not with Neptune.

Avoid Neptune at all costs. There are so many other options out there.

I got this flood policy with Neptune and it just got renewed. The 1st year they were pretty competitive with others. When it was time for renewal, I was working non-stop for over 30 days, doing 12-hour shifts, 7 days a week. I didn't see the letter about my renewal. My mortgage company paid for it. The increase was a whopping 200%! I called Neptune and they blamed it on the new FEMA changes. Nobody else in my neighborhood had such a big increase! I got a quote from FEMA... it's only $800. Neptune will only let me cancel this policy if I sell my house. I really think they purposely give low prices to get customers and then raise the prices during renewal or any chance they get. I'm also surprised that a change like this doesn't need my permission.

This company is awful! They're just out to scam people. My mortgage company made me get flood insurance for my property, even though I didn't need it. I tried to get rid of it by working with different agencies, but it was a hassle. Then I contacted Neptune to cancel the insurance and get my money back. It was a total pain! I had to keep sending them the same document, talking to different people, and it went on for weeks. Finally, I had to call and demand that they cancel the insurance and give me my refund. But guess what? They wouldn't give me a refund for the time I first asked them to cancel because they don't keep records of calls or transactions. Can you believe that? Today, I finally got my refund, but it's not even the full amount. They're ripping me off even more with a late refund! It's unbelievable. This company must be really desperate to cheat a customer out of an extra $150. They should be ashamed of themselves. They're a terrible business. Be careful if you decide to buy from them!

I didn't even know I was purchasing from Neptune. I bought from Insurox and didn't realize that it's a third party and my real insurer is Neptune. I requested to cancel my flood policy in May and they still won't cancel it and refund me 7 months later. I received a letter from FEMA stating my home isn't 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 wouldn't send a letter to Neptune, but they did get on a 3-way call with the insurer and told them flood insurance wasn't required anymore after the FEMA determination. That still wasn't good enough. I've 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 wouldn't renew again. With every issue I had, they blamed Insurox, and of course with every issue I complained about to Insurox, they blamed Neptune since they're the insurer. They're 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'll end up costing you hundreds extra. I've filed a complaint with my state attorney general and will continue with other legal avenues.

I sold my home and they won't give me back my money for the insurance I paid. It's been a real hassle dealing with Neptune Flood Incorporated. I've been trying to get my refund for weeks now, but they keep giving me the runaround. It's really frustrating because I need that money to help with my new place. I've called them multiple times and each time they say they'll look into it, but nothing ever happens. I even sent them an email, but they haven't responded. I don't understand why they're making it so difficult for me to get my own money back. It's just not right. I would not recommend Neptune Flood Incorporated to anyone. They don't seem to care about their customers once they have their money.

So, I got this flood policy with Neptune, right? It just got renewed and let me tell you, the first year was alright. They were pretty competitive compared to others. But when it came time for renewal, man, I was in the middle of this long work stint, like 30+ days of non-stop 12-hour shifts, 7 days a week. I totally missed the letter about my renewal, you know? And guess what? My mortgage company went ahead and paid for it. But here's the kicker, the price went up by a whopping 200%! Can you believe that?

So, I called up Neptune to see what's up, and they start hiding behind these new FEMA changes. But get this, nobody else in my neighborhood had to deal with an increase like that! So, I decided to check out FEMA myself, and guess what? They quoted me $800. That's a whole lot less than what Neptune is asking for. But here's the thing, Neptune won't let me cancel this policy unless I sell my house. Can you believe that? It's like they purposely give you these low prices to reel you in, and then they hit you with these crazy high prices when it's time to renew or whenever they feel like it.

And you know what really gets me? They didn't even bother to ask for my consent for this change. Like, seriously? How can they just do that without even asking me? It's just not right, man.

I gave a good reason for canceling, but you still gave me the policy. Your company said my property would never flood, so why did I pay for flood insurance for two years? I want a refund for the policies that didn't cover what I asked for. My house flooded, but your definition of a flood is different. I think you just wanted my money.

After 2 years of reasonable rates, Neptune Flood Insurance increased their premium by over 250%, with no history of claims, no change in credit rating, and no change in flood zoning. Due to increased costs of construction, my mortgage company sent a notice that my existing policy was insufficient. I subsequently found a policy that costs 66% less and provides the increased coverage demanded by my mortgage bank. Neptune says I can't cancel my policy because my mortgage company hasn't rejected it; they've only found it to be insufficient. Neptune Flood now has me in a corner, saying I can't cancel the policy and I have to pay an even higher premium (more than 300% higher than competing policies). Neptune's practices seem predatory, using the inability to cancel flood policies as a weapon to swindle customers. All I want is to cancel this unreasonable policy and get a pro-rated refund from Neptune Flood. I've asked multiple times with no success.

Hi, I'm writing to share my experience with Neptune Flood Incorporated. I recently bought flood insurance for my new house on 7/15. The agent, Christopher M., told me that my home foundation was a "basement" and charged me $1,667. I paid the full amount on 7/15. Later, I received my house inspection report and official appraisal report, which consistently stated that the foundation of my home is a "slot". I reached out to the agent and Neptune, and they agreed to make the necessary changes to my policy. The cost was adjusted to $551.90.

On 7/23, a Neptune representative informed me that they would process a refund of $1,150.10. However, despite making several calls, I have yet to receive the refund. My most recent request was on 9/17 with Kelseigh P., a Customer Success Representative. I called again at a later date, but I still haven't received any updates on the refund. I'm reaching out for help because I feel like I won't be able to get my refund without assistance from the ComplaintsBoard.com.

ComplaintsBoard.com Team, Neptune Residential Flood won't give me a refund after finding a better policy. I signed up for Neptune Flood on 10/11. In early 2022, I discovered a cheaper and more comprehensive homeowners insurance that also covered floods. I contacted all my current insurance providers, including Neptune, to cancel my policies for this reason. My homeowners insurance refunded me, but Neptune refused because they said getting a cheaper policy is only valid within 30 days of starting with Neptune. This is not right! Other insurance companies canceled and refunded me based on the cancellation date. If customers find better insurance, they should be able to cancel their flood insurance with Neptune. My lender sent a letter and email on my behalf stating that I don't need flood insurance because my property isn't in a flood zone. When I shared this with Neptune, they told me to get another notification from my lender stating that they made a mistake and I don't need flood insurance to cancel the policy and get a refund. This is unethical too. I want a refund from 1/3/22 based on the policy number in the attachment. I have emails and proof from my lender showing I don't need flood insurance. Sincerely

I emailed Neptune Flood Incorporated and contacted them on March 9, 2022, to cancel my flood insurance policy. The policy number is *** and the effective date is February 24, 2022, which is when I moved out of my previous address. I had a policy with ***. My complaint is that Neptune refused to cancel my policy when I requested it. According to the law, I have the right to cancel my insurance policy since I no longer reside at the insured property. I also asked for any remaining insurance premium refund credit to be mailed to my P.O. Box 7742. I had already provided these instructions to Neptune. In response, Neptune asked for a mortgage statement as proof of my move. However, I live in an apartment as a month-to-month tenant with no contract, and I can no longer contact the landlord, KCS Investments LLC, as the property has been recently sold. I don't need to provide proof that I moved from *** in order to cancel my insurance policy. If my policy is not cancelled with a non-renewal and if my remaining refund is not sent to my mailing address *** Sebring, FL XXXXX, I will take legal action against Neptune Insurance. I will seek monetary compensation of over $50,000, including court costs and fees, next month. Under Florida law, I have the right to cancel my insurance, and I fully intend to do so. It doesn't make sense to keep flood insurance active when I have already contacted Neptune via email and phone to cancel it. Additionally, I am requesting a cease and desist from this company once my policy is cancelled and my refund has been processed and mailed to the requested address. If Neptune refuses to resolve this and cancel my policy as requested, I will hire an attorney to sue.