Disaster Insurance | Recoop & Insurance Alliance

When disaster strikes, families need more than promises — they need immediate financial support. Traditional homeowners and renters insurance often leave coverage gaps, deductibles, and exclusions for major disasters like earthquakes, hurricanes, or wildfires. That’s why Insurance Alliance proudly offers Recoop Disaster Insurance to homeowners and renters in Washington, Florida, Texas, Arizona, and Idaho. Recoop is the first and only multi-peril property & casualty product that pays a lump-sum cash benefit directly to you — so you can recover quickly, cover gaps, and move forward.

Why Disaster Insurance Matters

  • Disasters are increasing – The number of disasters per year has more than doubled in the last 20 years.
  • No one is immune – 7 in 10 Americans have faced billion-dollar extreme weather events in just the past three years.
  • Home policies leave gaps – Most homeowners insurance excludes earthquake damage, storm surge from hurricanes, and other disaster perils.
  • Rising out-of-pocket costs – Many insurers now cover roofs at actual cash value, leaving homeowners with $5,000–$10,000 in unexpected costs.
  • Families are financially vulnerable – Nearly half of Americans cannot cover a $400 emergency, leaving them unprepared when disaster hits.

Recoop Disaster Insurance: Features & Benefits

What Recoop Covers

  • Hurricanes (including storm surge)
  • Tornadoes
  • Earthquakes
  • Winter storms
  • Wildfires
  • Gas explosions
  • Dust storms


Claim Requirements

  1. Your residence must be in a state or federally declared disaster area (except for gas explosions).
  2. You must have $1,000 or more in damage from a covered disaster.
  3. You must hold an existing homeowners’ or renters’ insurance policy and not live in a manufactured home.


Why Homeowners Love Recoop

  • Really Fast – Recovery cash paid within 24–48 hours.
  • Really Flexible – Coverage amounts from $5,000 to $25,000, with no restrictions on how funds are used. Pay deductibles, replace lost income, or cover living expenses.
  • Really Simple – Quick online enrollment, easy claims by phone or online.
  • Really Affordable – Premiums start as low as $9 per month.


How Recoop Complements Home Insurance

Traditional home insurance often does not cover disasters like earthquakes or storm surge, and where coverage exists, deductibles and settlement terms can leave families exposed.

Recoop Disaster Insurance provides:

  • Cash to pay deductibles
  • Funds to cover immediate expenses (lodging, food, transportation)
  • Financial security during recovery while waiting on longer claims from traditional insurers


Real-Life Scenario

  • A family in Florida loses part of their roof in a hurricane. Their homeowners policy requires a $6,000 deductible — money they don’t have available. Recoop pays out $10,000 in cash within 48 hours, helping them cover the deductible and secure temporary housing.


Why Choose Insurance Alliance for Disaster Insurance?

At Insurance Alliance, we partner with leading providers like Recoop to offer unique solutions that fill coverage gaps. Our team helps homeowners and renters in Washington, Florida, Texas, Arizona, and Idaho understand their risks, compare options, and secure affordable disaster protection tailored to their needs.



Get Protected Before the Next Disaster

Don’t wait until the next hurricane, wildfire, or earthquake leaves you financially exposed.

Contact Insurance Alliance today to learn more about Recoop Disaster Insurance and get a free quote.

Our Partners

Below is our disaster partner