Recoop Insurance Through an Independent Agency: Coverage and States

Recoop coverage and states available through our agency

The table shows each Recoop coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.

If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.

How to request a Recoop quote

• Send the request form on this page or call 888-387-3687.
• Tell us the coverage you need and the state where the property, vehicle or business is located.
• A licensed agent reviews whether Recoop is available for your situation and what information the insurer needs.
• You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.

Ways to compare your options

You can go whichever direction suits you. None of these commits you to buying.

• Ask a licensed agent. Send a request or call 888-387-3687.
• See other insurers our agency can quote for similar coverage. NormanMax.

Who Recoop is

Recoop Disaster Insurance is the trade name of Strategic Product Partners, LLC. Darren Wood formed the company in 2013. Insurance Journal placed it in Des Moines, Iowa, in 2021.

Recoop owns the product and acts as a general agent for the insurer. In 2023, it said it planned to get a managing general agency (MGA) license. We couldn't verify whether it has one now.

Recoop uses outside firms for back-office work. Sedgwick administers claims and Insurity handles policy administration, according to Insurance Journal in 2023.

Who issues Recoop policies

Professional Solutions Insurance Company (PSIC) issued Recoop coverage as of 2023. PSIC is a wholly owned subsidiary of NCMIC Insurance Co., according to Insurance Journal in 2023. In 2021, Swiss Re and Munich Re were named as reinsurers.

We couldn't verify PSIC's AM Best rating. Look it up yourself before you buy.

The structure has several layers. Recoop designs and sells the product. PSIC issues the policy and carries the risk. Reinsurers were named in 2021. Sedgwick handles claims, and Insurity runs the policy system. If you have a claim, your documents will tell you who to call.

NCMIC is PSIC's parent. Because PSIC is a subsidiary, its own rating, not NCMIC's, is the one to check.

How Recoop's disaster benefit works

Recoop pays a lump sum after a disaster. You choose a benefit in $5,000 steps, up to $25,000. There's no deductible.

A payment requires a declared disaster and at least $1,000 of damage from a covered peril. Covered perils include:

• Hurricane, including storm surge.
• Wildfire, tornado and earthquake.
• Gas explosion and dust storm.
• Winter storm, with snow-depth thresholds.

It excludes freshwater flooding, hail, landslides and tsunamis. You must have an underlying home or renters policy. Coverage starts 14 days after you enroll.

How Recoop sells, and where

Recoop is sold mostly as a voluntary employee benefit. Brokers and associations offer it, and you pay through payroll deduction. It's also sold direct online.

Recoop doesn't publish a state list. Reported counts have grown over time:

• About 37 states in 2021.
• 42 states plus DC in 2023, when Florida's insurance regulator approved it.
• 47 states in May 2024, according to Insurify.

We found no Recoop news after that 2024 report. We couldn't verify its 2025 or 2026 status. Recoop wasn't in the First Connect carrier directory.

Why Recoop exists

Recoop is built around one problem: costs after a disaster that your home policy doesn't fully cover. Its benefit is a lump sum in the amount you chose.

That design is different from a standard homeowners claim. There's no deductible on the Recoop benefit itself. And the trigger is simple: a declared disaster plus at least $1,000 of damage from a covered peril.

The covered perils lean toward large catastrophes, such as hurricanes, wildfires and earthquakes. Some common causes of loss, like hail and freshwater flooding, are excluded. So Recoop works best alongside your existing home or renters policy and, if you need it, a separate flood policy.

What to check before you buy Recoop

• It's an add-on. Recoop doesn't replace your home or renters policy. You need one to qualify.
• Flood and hail. Freshwater flooding and hail are excluded. Buy separate flood cover if you need it.
• The declaration rule. Ask what kind of disaster declaration is required.
• The waiting period. Coverage starts 14 days after enrollment. Don't wait for a storm warning.
• Job changes. If you buy through work, ask what happens if you leave.
• Your state. Confirm it's available where you live.

How to verify an insurer or agency

Before buying through any website or app, confirm who is selling you the policy and who will issue it:

1. Find the licensed agency or insurer named in the site's footer, terms, or license page.
2. Look up the agency or producer on your state insurance department's license search, or through the National Insurance Producer Registry (NIPR).
3. Look up the insurer on your state insurance department's company search to confirm it is authorized in your state.
4. Save the insurer's name and policy number once issued, since that is who handles claims.

A legitimate service will make this information easy to find. Be cautious if you cannot identify the licensed entity.

What an independent agency does

An independent insurance agency is licensed to sell policies from several insurance companies. Instead of quoting one company's products, an independent agent can compare options from the insurers the agency represents, explain the differences in coverage, and help you re-shop at renewal. The insurance company, not the agent, makes underwriting and claim decisions.

Blake Insurance Group is an independent agency. We work with clients by phone, email, and online in states where we are licensed, and we will tell you which insurers we can quote for your situation.

Questions to ask before you buy

• Which insurer issues the policy, and is it licensed in my state?
• What are the limits and deductibles, and what’s excluded?
• Which discounts were applied, and which ones weren’t?
• How do I report a claim, and is there a 24-hour line?
• What happens if I miss a payment, and is there a grace period?
• Can I get the full quote, including all fees, in writing before I pay?

Recoop FAQs

Your next step

Send a request and a licensed agent will check Recoop and other options available to you.