The most tedious part of reviewing insurance policies? The fine print. It can be full of loopholes and exemptions that, let’s be honest, we may overlook or not quite understand. Although it’s not the most exciting part of insurance, it’s imperative you dig into it, so you know what your policy covers and leaves out.

Terms like “eligibility”, “limits of coverage”, and “exclusions” usually jump off the page when you’re scouring through your plan, but there’s so much more. You need a firm understanding of your policy so you can plan for risks or even identify necessary, additional coverage to protect your home.We put together this helpful list of words you should keep an eye out for when reviewing natural disaster protection within your policy:

  1. Sneaky deductibles: Did you know you can be hit with a special deductible when filing a claim depending on where you live? Yep, that’s right. If you live in an area that’s high-risk for certain disasters (think hurricanes and earthquakes), then your deductible may be different when filing a claim for damage caused by those certain events.
  2. Anti-concurrent causation clause: Not only is it a mouthful, but according to this clause, if two disasters happen at once, then only one will be covered by the homeowner’s insurance policy. That means you’re on the hook to cover the damages caused by the other severe weather event.
  3. Coverage caps: Some homeowners policies don’t always pay for all the damage sustained. In that case, they only pay up to a maximum amount and you may not have enough money to fully compensate for the damage with the payout from your claim.

Great, you’ve discovered the loopholes in your policy…now what? Finding out how to protect against those is the most important next step.

Enter Recoop Disaster Insurance. We’re here to be your safety net. Our product is designed as a multi-peril disaster insurance plan that pays a lump-sum cash benefit up to $25,000 after a covered natural disaster – that’s a lot of green.

This benefit is 100% flexible so you can cover those common gaps where typical homeowners or renters insurance falls short. This way, you get the recovery cash you need – usually within days – all without any loopholes or gotchas. To learn more about Recoop, visit