As insurance professionals, we know summer isn’t just about vacations and barbecues – it’s also peak season for some of the most destructive natural disasters. From hurricanes along the Gulf and Atlantic coasts to wildfires scorching the West, tornadoes in the Central U.S. and dust storms blanketing parts of the Southwest, summer is marked by multiple, compounding threats to one’s home.

While many believe their standard insurance policies are enough, we know that traditional homeowners insurance often falls short when disaster strikes, leaving families to navigate costly repairs, prolonged displacement and financial uncertainty on their own. Multi-peril coverage solutions can offer a more comprehensive layer of protection that helps close those gaps and ensure clients are better prepared for what summer weather can bring.

Understanding the Multi-Peril Summer Landscape

First, let’s break down the most common summer seasonal threats:

  • Hurricanes can devastate areas with high winds, storm surge and flooding. Last year’s Atlantic hurricane season saw 18 named storms and $500 billion in damages, with experts anticipating another above-average season in 2025.
  • Wildfires are increasing in both frequency and intensity, devastating communities in Western states and beyond. Fire and smoke damage, evacuation costs and long-term displacement can create significant financial strain for affected families.
  • Tornadoes can strike with little warning, destroying homes in minutes. While typically concentrated in Tornado Alley in spring, these events have been starting earlier, lasting longer and reaching farther east and south in recent years, expanding the at-risk population.
  • Dust storms, while less headline-grabbing, these storms create their own hazards: they reduce visibility, damage property and contribute to respiratory health issues, which can add up to costly claims. On average, dust storms cause $154 billion in damages across the U.S. each year.

No Homeowner Is Immune

One of the biggest misconceptions among homeowners is the idea that “it won’t happen to me.” But extreme weather doesn’t discriminate, it affects urban and rural areas alike, from coastlines to inland suburbs. What ties these severe weather events together is not only their seasonality, but their cross-regional impact – as can be seen in this interactive risk index map. Recent summers have shown that no ZIP code is truly safe from severe weather, and no homeowner is immune to the financial fallout that follows.

Even those outside traditionally high-risk zones are experiencing greater disaster exposure due to a shifting climate landscape, like the residents of Asheville, NC, once considered a climate haven, who faced unexpected impacts from last year’s devastating Hurricane Helene.

When disaster does strike, the financial fallout from major repairs, temporary housing, lost personal property and business disruption can be staggering. With insurers reducing coverage for various weather events, many homeowners don’t realize the true limits of their policies until it’s too late. That’s where supplemental multi-peril coverage can step in.

What Is Multi-Peril Coverage, And Why Does It Matter?

Multi-peril supplemental coverage solutions, like Recoop Disaster Insurance, can fill the gaps left behind by standard homeowners insurance. These policies bundle protection for a variety of high-risk events, offering broader, more flexible coverage that helps clients recover faster and more fully.

Recoop covers a range of perils threatening homeowners this summer, including hurricanes (with storm surge), wildfires, tornadoes, dust storms, as well as earthquakes, winter storms and severe storms, offering up to $25,000 in fast and flexible recovery cash to help cover unexpected expenses or pay deductibles to kickstart their insurance. Rather than relying on a patchwork of policies or exclusions, multi-peril coverage offers a more streamlined, all-in-one solution for clients in areas facing overlapping seasonal threats.

Why It Matters for You – and Your Clients

As an agent, recommending multi-peril coverage is about helping clients build true financial resilience in an era of uncertainty. With the right supplemental policy, you’re equipping homeowners to withstand the financial impact of whatever Mother Nature throws their way next.

In doing so, you’re also strengthening client relationships. Offering proactive, comprehensive protection demonstrates your commitment to their long-term security and reinforces your role as a trusted advisor, not just a policy seller.

A Timely Opportunity

Summer’s perils are here. Now is the time to have these conversations with clients, so they are armed with information before finding themselves underinsured and overwhelmed in the face of disaster.

Whether they’re worried about wildfire exposure or the increasing unpredictability of seasonal weather, multi-peril supplemental coverage offers a reliable path forward. When disaster strikes, clients don’t just need coverage, they need confidence. Let’s make sure they have both.