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October 29, 2026
Are Your Clients Protected From the Hidden Costs of Natural Disasters

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*Represents the estimated time to send benefit payouts following claim approval. In the event that damage isn't clear or we don't have the photos or information needed to process your claim, we may send a claims adjuster to your home or apartment.

1 The following states are incurred loss states: Florida, North Dakota, Rhode Island, and South Carolina. In these states we are required to calculate the incurred costs (aka itemized losses) and pay you the lesser of either this amount or your disaster benefit. Along with physical damage to your home, we can add things like deductibles, lost wages, loss of health insurance, replacement of personal property, temporary living expenses, and travel expenses, which should meet or bring you close to your Recoop benefit. An adjuster will work with you at claim time to collect all the necessary information.

2 A disaster does not need to be declared after a gas explosion for you to submit a claim.

3 Winter storms and hazardous winter weather is covered when at least 5 inches or more of snow or sleet accumulate within a 12-hour period, or at least 7 inches or more of snow or sleet accumulate in a 24-hour period. All terms and conditions of the insurance policy and attached endorsements apply.

Waiting Period: No disaster benefit shall be paid under this policy for property damage that occurs within fourteen (14) days after this policy first takes effect. Furthermore, any subsequent increase in limits of coverage shall not take effect until after fourteen (14) days have elapsed from the effective date of such increase.

Descriptions on this page were developed for informational and educational purposes only and do not represent a specific contract of insurance. Coverage is subject to terms and conditions of the actual policy. We encourage you to read the full policy for understanding of coverage and qualifications. Product availability and features vary by state. Premiums vary by location and are subject to change. All terms and conditions of the insurance policy and attached endorsements apply.

The information contained in this tool is not intended as an offer or solicitation for any insurance product. Product availability and pricing may vary by state and will be confirmed at time of enrollment. Descriptions on this page were developed for informational and educational purposes only and do not represent a specific contract of insurance. Coverage is subject to terms and conditions of the actual policy. Qualifications, terms and conditions, pricing and availability are subject to change without notice.

Recoop, a Personal Disaster Insurance product, is a licensed property and casualty insurance product underwritten by Professional Solutions Insurance Company or State National Insurance Company, depending on the state. This material is for informational purposes only and any description of insurance coverages are subject to these terms, conditions, exclusions, and other provisions of the actual policy. For more information, please visit www.recoopinsurance.com.

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