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.

Really fast recovery cash.

Recoop is the first and only multi-peril disaster coverage that quickly pays you a lump-sum cash benefit (up to $25,000) after a disaster: hurricane (with storm surge), wildfire, tornado, earthquake, gas explosion, winter storm or dust storm.

Really affordable.

Get a $5,000 cash benefit for as low as $11/mo.

Really simple.

File a claim in just minutes with a quick call or a few clicks.

Really fast.

Cash is typically deposited within 24-48 hours of claim approval.*

Really flexible.

No restrictions on what you can do with your recovery cash.

But I’m already covered … right?

If you think your homeowners or renters insurance will cover everything after a disaster hits, here’s some not-so-great news: holes in your coverage will likely leave you on the hook for a big chunk of the bill. Especially for things like storm damage deductibles, emergency repairs and lodging and transportation in the immediate aftermath.

Recoop Disaster Insurance covers the holes in your coverage.

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

When insurance fails, we help you prevail.

With all of their little loopholes, gotchas and gray areas, it’s no wonder those novel-long policy pages leave your attention span gone with the wind.
Recoop is different because it was built to actually pay claims. Shocking, right? We put you and your family’s well-being ahead of a corporate lawyer’s fine print. So you get a simple and affordable way to bounce back faster after a disaster.


How long do I have to wait for benefits?

Typical Coverage

30+ days


2 days*

Do I have to pay a deductible before I get my benefits?

Typical Coverage




Do I have to wait for a quote (a.k.a. underwriting)?

Typical Coverage




Do I have to wait for an insurance adjustor to show up?

Typical Coverage




No deductibles.
No gotchas.

Unlike typical insurance, with Recoop, you don’t have to jump through a bunch of hoops to get your benefits. You only need to meet 3 basic requirements:
1. Carry an existing homeowners or renters insurance policy.
2. Be in a state or federally declared disaster area1 and have sustained damages of $1,000 or more.
3. Experience damage as the result of one of the following natural disasters: hurricane (with storm surge), wildfire, tornado, earthquake, gas explosion, winter storm2, or dust storm.

Lightning fast. Crazy flexible.

You shouldn’t have to tap into your savings or rack up credit card debt after a disaster. Recoop’s lump-sum cash payment is your lightning-fast lifeline, helping you recover sooner, not later.

Your money.

Your rules.

No restrictions.

We don’t put any restrictions on what you can or can’t do with your Recoop cash once your claim is approved. Because in your moment of truth, we trust that you know what’s best for you.