Disaster Insurance

Uprooted tree crashed through home during natural disaster.

Protect the center of your life: your home

Whether you own or rent, your home is the center of your life. It holds everything you cherish. 

How protected is your home against major disasters like storm surges, wildfires, tornadoes, earthquakes, and other catasprophes?

As an AFA member, you now have access to the first and only multi-peril disaster coverage. This plan pays a lump sum benefit (up to $25,000) after a declared natural disaster. 

why you need disaster coverage

There's a good chance you are at risk of suffering a major financial loss from a natural disaster:

  • 97% of the U.S. population lives in a county that has been covered by a federal disaster declaration since 2020.
  • Most homes are underinsured by as much as 20% of their value. 

How does disaster insurance differ from homeowners or renters insurance?

Recoop Disaster Insurance is designed to supplement your homeowners or renters policy. It helps fill the gaps in your traditional coverage.

These gaps often include:

  • High deductibles on your homeowners or renters policy
  • Limits of coverage
  • Exclusions for certain types of disasters, such as earthquakes or storm surge
  • Variances in your home's replacement value versus its market value
  • Caps on guaranteed replacement coverage
  • Depreciation on your roof's value versus the cost to replace
  • Limits on how you can use your claims payments

Recoop is the first and only multi-peril disaster insurance product that pays a lump sum cash benefit after a natural disaster. You can apply for up to $25,000 in coverage.

If you suffer property loss exceeding $1,000 in a state or federally declared disaster area from a covered catastrophe, you can file a claim for a lump sum benefit. This includes renters, as well as damage to second homes or vacation homes.

The money your receive from a Recoop claim can be used for any purpose. Recoop will not require receipts to show you used the money for repairs or replacements. 

In addition, there is no deductible before coverage kicks in. You will receive the full amount of your covered loss up to the amount you purchased in coverage.

The rate you pay for Recoop Disaster Insurance is based on several factors, including:

  • Your location
  • The level of risk in your region
  • The coverage amount you choose


Rates are subject to change.

Coverage is effective 14 days after enrollment.

This disaster policy pays a claim in the event your home is affected by a disaster in which your state or the federal government has declared a disaster. 

The damage or physical loss to your property must exceed $1,000 before you can file a claim. Vacation homes and second homes are eligible for coverage.

The policy covers these major natural disasters:

  • Hurricanes with storm surge
  • Wildfires
  • Tornadoes
  • Earthquakes
  • Gas explosions
  • Winter storms *
  • Dust storms


* 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.

This is not an exhaustive list, but common disasters not covered in this policy include:

  • Events in which there is not a state or federal disaster declaration for the county where your property is located
  • Damage to your property that does not exceed $1,000, even if a disaster is declared in your area (eg. if the home you rent is severely damaged, but you suffered only minimal losses not exceeding $1,000, you won't receive a payment)
  • Fresh-water flooding, regardless of cause
  • Landslides
  • Tsunamis
  • Hail
  • Straight-line winds or wind-shears outside the known path of a covered peril
  • Damage to mobile or manufactured homes, because they are typically classified as personal property, not real estate
  • Events that occurred inside of the 14-day waiting period from the time you enroll (eg. you sign up for coverage knowing a hurricane will make landfall in three days; you won't be covered for the storm surge from that storm)

Members of the Air and Space Forces Association are eligible for Recoop Disaster Insurance. You must carry an existing homeowners or renters insurance policy on the property you want covered by Recoop.

This includes renters, provided you have an active renters insurance policy and live in a state where this coverage is available. Renters must meet the same qualifications following a disaster to receive a Recoop benefit. Also, damage must occur to the unit rented by you, not just common areas outside your unit. 

Mobile homes and manufacture homes are not covered. This is because these properties are typically classified as personal property, not real estate.

Recoop Disaster Insurance is available in most states. However, at this time, it is not available in the following states:

  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York

Recoop's goal is to make submitting your claim and receiving your cash as painless as possible.

After a disaster declaration, you’ll start by calling us directly at 877-2Recoop (877-273-2667, option 1). You can also file a claim online at www.recoopinsurance.com.

After answering a fewquestions and submitting photos of your home for proof of loss (we compare these to the photos you upload while setting up your account), we’ll review your claim. If everything is in order, your claim will be approved and we’ll pay you within a few days.

In some cases, more time may be needed or Recoop may need additional information. In most cases, Recoop will not send a claims adjuster to review the damage. It will base the claims on the information you submit. However, adjusters may be sent, especially if there were evacuation orders or if the property is in a restricted area.

There are no restrictions on how you can use your claims payments. There are no deductibles to meet before receiving payment. 

You're eligible for two disaster benefits within your annual policy period, but they must be for separate disaster events.