Tell me more about these gaps in my insurance coverage.

The gaps are usually hiding in plain sight. Certain disasters, like earthquakes and storm surge, aren’t included in standard homeowners policies, so without Recoop, you’ll be on the hook for those. Other common gaps include things like depreciation of your roof’s value, high deductibles for disasters, like hurricanes, which can be anywhere between 5 – 30% of your home’s value, and variances in your home’s replacement value versus its market value. Plus, with typical home insurance you could be stuck waiting up to 30 days before you get paid after submitting a claim.