In 2024 alone, the U.S. saw 27 separate billion-dollar weather disasters. Hurricanes, wildfires, floods and severe storms caused not only widespread property damage, but also internet and utility outages that disrupted daily life.
Here’s the hard truth: no one is immune to natural disaster. When severe weather hits, it doesn’t just damage your home, it creates an emotional and financial strain that can take months to recover from.
And with so many Americans working remotely or in a hybrid workplace, the stakes feel even higher. If your home is also your office, a disaster doesn’t just mean costly repairs. It could mean lost income, disrupted work and stress that ripples into other areas of life.
Why disaster insurance matters for you
Most of us aren’t financially prepared for the costs of recovering from an unexpected disaster. The Federal Reserve recently reported that around 37% of U.S. adults would not be able to cover an unexpected $400 emergency expense. Compare that to the thousands of dollars it can take to repair damages or even cover a home insurance deductible after a weather disaster, and it’s clear why many households struggle to bounce back.
That’s where a resource like Recoop Disaster Insurance comes in. Unlike traditional home policies, Recoop can give you quick, flexible funds to cover the cost of high deductibles, temporary housing, medical bills and other unexpected, immediate expenses after severe weather hits. It helps bridge the gap while you’re waiting for claims to process from your traditional carrier and can ease the financial burden of recovery.
Why you should bring up disaster insurance at open enrollment
Here’s the good news: some employers are starting to offer disaster insurance as part of their benefits package. Just like health insurance, it’s designed to protect your financial well-being when life throws you a curveball.
This open enrollment season, it’s worth asking your HR or benefits team to explore adding Recoop Disaster Insurance as a benefit.
Employers want to support their teams, especially in today’s work-from-anywhere world. Sometimes, they just need to hear from employees that it’s something you’d value.
Taking control of your financial resilience
You can’t stop severe weather, but you can prepare for it. Asking about supplemental disaster insurance options at work is one step toward building a safety net for yourself and your family. It could make all the difference in how quickly you recover, and how confident you feel, when the unexpected happens.