Bounce Back Faster
After A Disaster™
A lump-sum cash benefit paid within 24–48 hours to cover deductibles, homeowners gaps, and immediate expenses after a covered disaster.
Covered Disasters
Why Choose Recoop?
The only multi-peril disaster insurance designed around you.
Really Fast
Recovery cash paid within 24–48 hours of an approved claim — when you need it most.
Really Flexible
Choose $5,000 to $25,000 in coverage. No restrictions on how you spend your recovery cash.
Really Simple
Quick, easy enrollment online. File a claim online or with a single phone call.
Really Affordable
Annual premiums start as low as $100 — that's less than $9 per month.
What We Cover
Seven covered perils — including disasters most homeowners policies exclude.
Hurricanes
Including storm surge
Earthquakes
All seismic events
Wildfires
Structure & property damage
Dust Storms
Haboob & visibility events
Tornadoes
Funnel clouds & twisters
Winter Storms
Blizzards, ice & freezing
Gas Explosions
No disaster declaration required
Why You Need Recoop
The financial reality of disasters most families aren't prepared for.
2× — More Disasters
The number of disasters per year has more than doubled over the past 20 years.
7 in 10 — Americans Impacted
Experienced extreme weather yielding $1 billion+ in damages in the past 3 years.
Most Policies — Leave Gaps
Standard home policies typically exclude earthquakes, storm surge, and other disasters.
$5K–$10K — Extra Roof Costs
Most insurers now value roofs on actual cash value, pushing repair costs back to you.
$4,500 — Avg. Family Savings
53% of families have no emergency fund. 36% cannot cover a $400 unexpected expense.
Know Your Risk Zone
Pricing is based on your property's risk zone. Zones reflect geographic exposure to covered disaster perils.
Low Risk
Zones 1–3Medium Risk
Zones 4–6High Risk
Zones 7–9* Not yet available in New York — coverage available in 49 states + D.C. Your exact zone is set by your property's ZIP code.
Find Your Rate
Enter the ZIP code of the home you want to protect to see your premium.
View full rate table ↓
| Risk | Zone | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|---|---|
| Low | 1WA | $33 | $66 | $99 | $132 | $165 |
| Low | 2 | $120 | $240 | $360 | $480 | $600 |
| Low | 3 | $150 | $300 | $450 | $600 | $750 |
| Medium | 4 | $180 | $360 | $540 | $720 | $900 |
| Medium | 5 | $240 | $480 | $720 | $960 | $1,200 |
| Medium | 6 | $300 | $600 | $900 | $1,200 | $1,500 |
| High | 7 | $360 | $720 | $1,080 | $1,440 | $1,800 |
| High | 8 | $425 | $850 | $1,275 | $1,700 | $2,125 |
| High | 9 | $1,000 | $2,000 | $3,000 | $4,000 | $5,000 |
| Annual premiums. Your zone is set by your property's ZIP code. Zone 1WA applies in parts of Washington. New Hampshire is limited to $5,000 and $10,000 benefits. Monthly billing: premium ÷ 12, rounded up. | ||||||
How It Works
Three steps from enrollment to recovery cash.
Enroll in Minutes
Answer a few quick questions online. No medical exam, no lengthy paperwork. Coverage starts immediately after enrollment.
Disaster Strikes
A covered disaster occurs and your residence is within a state or federal disaster declaration area. You have $1,000+ in damage and an active homeowners or renters policy.
Cash in 24–48 Hours
File your claim online or with a single phone call. Sedgwick, the world's largest claims administrator, processes your claim and sends your lump-sum cash — no restrictions on how you use it.
Backed by Trusted Carriers
Your coverage is underwritten by financially strong, A.M. Best-rated insurers.
Professional Solutions Insurance Company
State National Insurance Company
Sedgwick
Launched in 2020 by Darren Wood. Recoop is approved in 47 states + D.C. — NH, NJ, and NY approvals are in progress. Coverage helps fill the gaps most standard homeowners policies leave behind.