We pick up where insurance stops.
Didn’t realize your homeowners or renters policy had gaps in coverage after a disaster? No worries. Recoop has you covered.
Your home has insurance gaps. Recoop helps you cover them.
No matter where you live, you’re flirting with disaster.
Counties making up 97% of the U.S. population were affected by a federally declared disaster since 2010.1
And unfortunately, most Americans don’t have the proper amount of home insurance, leaving them footing the bill after a disaster.
Recoop Disaster Insurance is a first-of-its-kind product that protects your family’s finances after a disaster: hurricane (with storm surge), wildfire, tornado, earthquake, gas explosion, winter storm or dust storm. It's up to $25,000 cash to cover the things your insurance may not cover:
- Special storm damage deductibles, which in high-risk areas, can soar as high as 30% of your home’s value
- Basic lodging, transportation or meal expenses during the immediate aftermath
- Emergency repairs, like tree removal, roof replacement and debris clean-up
1 Environment America
requirements to get paid.
In order to get your Recoop cash, you only need to meet 3 simple qualifications.
You must carry an existing homeowners or renters insurance policy.
Your home or apartment must be in a state1 or federally declared disaster area2 and have sustained damages of $1,000 or more.
Damage must be a result of one of the following natural disasters: hurricane (with storm surge), wildfire, tornado, earthquake, gas explosion, winter storm3 or dust storm.
Get a $5,000 cash benefit for as low as $11/mo.
File a claim in just minutes with a quick call or a few clicks.
Cash is typically deposited within 24 – 48 hours of claim approval.*
No restrictions on what you can do with your recovery cash.
Helps you bounce back faster after a disaster.
*Represents the estimated time to send benefit payouts following claim approval. In the event that damage isn’t clear or we don’t have the photos or information needed to process your claim, we may send a claims adjuster to your home or apartment.
1 A disaster does not need to be declared after a gas explosion for you to submit a claim.
2 Winter storms and hazardous winter weather is covered when at least 5 inches or more of snow or sleet accumulate within a 12-hour period, or at least 7 inches or more of snow or sleet accumulate in a 24-hour period. All terms and conditions of the insurance policy and attached endorsements apply.
© 2022 Strategic Product Partners, LLC, doing business as Recoop Disaster Insurance.
Descriptions on this page were developed for informational and educational purposes only and do not represent a specific contract of insurance. Coverage is subject to terms and conditions of the actual policy. We encourage you to read the full policy for understanding of coverage and qualifications. Product availability and features vary by state. Premiums vary by location and are subject to change. All terms and conditions of the insurance policy and attached endorsements apply.
The information contained in this tool is not intended as an offer or solicitation for any insurance product. Product availability and pricing may vary by state and will be confirmed at time of enrollment. Descriptions on this page were developed for informational and educational purposes only and do not represent a specific contract of insurance. Coverage is subject to terms and conditions of the actual policy. Qualifications, terms and conditions, pricing and availability are subject to change without notice.
Recoop, a Personal Disaster Insurance product, is a property and casualty insurance product underwritten by Professional Solutions Insurance Company.