How Recoop Disaster Insurance Works: Fast Cash After Qualifying Events

Q: Who qualifies for a disaster insurance claim payment?

To receive payment following an insurance claim with Recoop, you must meet three criteria: 1) Carry an existing homeowners or renters insurance policy; 2) Your home or apartment must be in a state or federally declared disaster area, with damage resulting from a qualifying natural disaster (hurricane including storm surge, wildfire, tornado, earthquake, gas explosion, winter storm or dust storm); and 3) Your home must have sustained damages of $1,000 or more during the qualifying disaster.

Q: What happens if a follow-up is needed to receive your insurance claim payment?

While it isn't the norm, Recoop may require additional details before approving your insurance claim and issuing payment. If damage isn't clear or we don't have the photos or information we need, we'll follow up with a request for more information. This may involve an adjuster visiting your home, a video call to review damage, confirming weather data from the area, or using drone technology to assess damage. The more details you provide upon enrollment and the faster you submit a claim after a disaster, the more likely we'll be able to process your claim quickly.

Imagine what you could do with $5,000 delivered just days after disaster hits home. Imagine what you could do with $25,000. With Recoop Disaster Insurance, fast cash following a natural disaster can be your reality. Our disaster insurance policies provide immediate payouts ranging from $5,000 to $25,000 within 48 hours after approving your claim. Designed to supplement home insurance, disaster recovery insurance coverage fills the gaps while you wait weeks, or even months, for your home insurance claim to come through. Fast and simple, we make it easy to get relief when you need it most.

What Is Disaster Insurance?

Disaster recovery insurance covers damage to your home following a natural disaster not typically covered in traditional home insurance policies, like earthquakes or storm surges resulting from a hurricane. It also supplements coverage for disasters that are included in your home insurance, such as tornadoes or wildfires. Because home insurance policies often come with gaps or delays in coverage, disaster insurance provides additional protection when you can’t afford to wait for relief. Receiving payment following your insurance claim doesn’t have to be a pain.

How Recoop Disaster Insurance Policies Protect You & Your Home

Recoop is redefining what relief looks like in the immediate aftermath of a natural disaster or severe weather event. We provide multi-peril disaster recovery insurance coverage for state and/or federally declared disaster areas covering hurricanes, wildfires, tornadoes, earthquakes, gas explosions, winter storms and dust storms. While traditional home insurance policies have a complicated claims process before you get paid, Recoop’s simplified, three-step approach allows you to submit your natural disaster insurance claim and get paid quickly and confidently. No deductibles. No restrictions on how you spend your money. No waiting when you need money now.

Getting Started With Recoop Disaster Insurance

Ready to protect your home and gain peace of mind with supplemental insurance coverage for disaster recovery? Enroll in minutes to get started with a Recoop Disaster Insurance policy. Once you’re enrolled, follow three simple steps to ensure you’re prepared for the unpredictable:

1. Set Up Your Account

After you enroll, log in to your account using the details we provide. This is where you can manage your account, submit claims and track progress.

2. Upload Current Photos

Upload your current homeowners or renters policy as proof of coverage along with photos of your home or apartment as it stands today. These photos will serve as “before” shots to help make damage more evident and speed up your claim following a disaster.

3. Select Payment Method

Let us know where you’d like your insurance claim payment deposited after a qualifying event and provide account details so we can deliver payment promptly.

Enroll Today

Who Qualifies For A Disaster Insurance Claim Payment?

Receiving your insurance claim payment after a natural disaster is easier than ever with Recoop. You don’t need to jump through hoops to get relief you’ve rightfully earned through your disaster insurance policy. To receive payment following an insurance claim, you must meet three criteria:

Existing Coverage - You must carry an existing homeowners or renters insurance policy.
Disaster Designation - Your home or apartment must be in a state or federally declared disaster area. Damage must be a result of one of the following natural disasters: hurricane (includes storm surge), wildfire, tornado, earthquake, gas explosion, winter storm or dust storm.
Sustained Damages - Your home must have sustained damages of $1,000 or more during the qualifying disaster.

3 Simple Steps To File Your Natural Disaster Insurance Claim

You’ve planned for “just in case” and “what if,” but what happens when hypothetical events become reality and you’re left wondering “now what?” Where traditional home insurance policies often require inspections and adjustments before determining what you’re owed, Recoop’s natural disaster insurance allows you to claim a predetermined amount based on your policy. Your fast-relief cash is only three steps away:

1. Start Your Claim

Submit your claim online or call 877-2RECOOP to answer a few questions following a disaster.

2. Take Damage Photos

Upload photos of damage from your home or apartment to document the impact to your home. These photos will serve as “after” shots clearly demonstrating destruction compared to the “before” photos you shared upon enrollment.

3. Get Paid

Once we approve your claim, we directly deposit payment into your account within 48 hours. Your insurance claim payment is free to use as you see fit in the immediate aftermath of a disaster.

What Happens If A Follow-Up Is Needed To Receive Your Insurance Claim Payment?

While this isn’t the norm, we may require additional details before we can approve your insurance claim and issue payment. For example, if damage isn’t clear or we don’t have the photos or information we need, we’ll follow up with a request for more information. This may involve an adjuster visiting your home to view damage. Otherwise, we may request a video call with you to review damage, confirm weather data from the area or use drone technology to assess damage.

The more details you provide upon enrollment and the faster you submit a claim after disaster, the more likely we’ll be able to quickly process your claim. We’ll clearly communicate with you along the way if further information is required so we can work together to get you your money as soon as possible.

Sign Up For Disaster Recovery Insurance Coverage Today

Don’t let Mother Nature catch you off guard. Sign up for disaster recovery insurance coverage to safeguard your home or apartment from disaster. Call 877-2RECOOP or enroll online to receive a quote and get started today.