Disaster insurance provides a lump-sum cash benefit (up to $25,000) after a disaster, such as a hurricane (with storm surge), wildfire, tornado, earthquake, gas explosion, winter storm or dust storm. It is designed to pay out claims to help you cover what your homeowners or renters insurance doesn't. Recoop can provide up to $10,000 cash benefits for as low as $20/month, and is a claims-based reimbursement coverage.