Recoop Disaster Insurance

Recoop Disaster Insurance  


Recoop Disaster Insurance covers the holes your homeowners or renters insurance may have.


It’s the really fast recovery cash you need to move forward after a disaster strikes.


Get covered. Get paid.
Unlike homeowners or renters insurance, which might take 30+ days to pay full benefits, Recoop is lightning-fast recovery cash that arrives in your account within just a few days.*


No deductibles. No loopholes. No gotchas.


Just really fast recovery cash up to $25,000.


To get your Recoop benefit you only need to meet 3 simple requirements:


  1. You must carry an existing homeowners or renters insurance policy.

  2. Your home or apartment must be in a state or federally declared disaster area and have sustained damages of $1,000 or more.

  3. Damage must be a result of one of the following natural disasters: hurricane (with storm surge), wildfire, tornado, earthquake, gas explosion, winter storm or dust storm.



Contact Us

For help, please contact a program specialist at the number below.





Mind the gaps.

There are 5 common gaps in homeowners or renters insurance that are putting Americans at risk.
  • Gap #1: Most homes are underinsured by as much as 20% of their value.

    Most policies are based on your home’s market value, not its replacement value, which takes into account the rising cost of materials and the increased demand (and cost) for labor and supplies. This goes for guaranteed replacement policies too, which are often capped based on the home’s insured value.
  • Gap #2: Insurance deductibles are out of control.

    This is especially true for wind-related damage from tornadoes and hurricanes in high-risk areas. These disaster deductibles can be anywhere from 5-30% of your home’s value. For a $200,000 home, that could mean as much as $60,000. And that’s before your policy kicks in.
  • Gap #3: Parts of your home depreciate over time (hint: your roof).

    Similar to how the value of a new car diminishes as soon as you drive off the lot, insurers now factor in depreciation for parts of your home that wear over time. Let’s say you have a 15-year-old roof with a 20-year lifespan. The actual cash value you receive from your insurance company will likely only be a fraction of the cost of replacement.
  • Gap #4: Typical home insurance may not cover common disasters.

    Disasters like storm surge (caused by hurricanes) and earthquakes aren’t usually included in a standard homeowners or renters insurance policy. You’ll have to buy a costly single peril policy that will most likely have a ridiculously high deductible.
  • Gap #5: You get stuck waiting even when you’re covered.

    Not all gaps are financial. With traditional homeowners or renters insurance, it could be 30 days before your claim is paid, and unfortunately, insurance companies may use delay tactics to get you to settle for less. After a disaster, you shouldn’t have to choose between getting paid quickly or getting what you are owed.

*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.
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.