Loti helps homeowners rebuild, replace, and move forward after unexpected loss, with support that understands how personal and high-pressure recovery can be. Founded by survivors and built by licensed public adjusters, insurance professionals, and technologists, we’re trusted for a homeowner-first approach across every type of incident.
We bring together what homeowners rarely get in one place: the world’s most comprehensive free recovery library, best-in-class public adjusting services, and modern technology that makes claims clearer and easier to resolve. You can start anywhere, whether learning for free, working with licensed experts, or exploring the consumer tools we’re launching in 2026.
When A Home Is Disrupted, Everything Changes.
We Understand. Let's Get Started.
We Understand.
Let's Get Started.
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Not all disasters or claims are the same. Loti helps homeowners understand how different incidents affect documentation, strategy, and recovery, tailoring each approach with the right expertise and tools from the start.
Every Covered Loss.
Every Major Incident.
EVERY INCIDENT
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Explore the Incident Hub to learn how different losses are handled and what to expect based on your situation.
LEARNING HUB
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The Learning Hub is Loti’s free resource center and the largest recovery library of its kind. Originally created to help fellow survivors, it’s open to everyone and includes RallyBacks, glossaries, and downloadable tools with clear guidance for every type of incident.
FREE Content Library.
The Learning Hub.
Explore the Learning Hub to get advice and answers at every stage.
FULLY LICENSED PUBLIC ADJUSTERS
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Loti delivers best-in-class public adjusting services with a six-star, hassle-free approach, taking full control of your claim from documentation through resolution. Accredited by the Better Business Bureau, a Platinum Sponsor of United Policyholders, and active in leading adjuster associations, we’re committed to ethical, homeowner-first advocacy.
Explore our Services to see how we help you move forward with confidence.
Your Personal Concierge.
Loti's Licensed Public Adjusters.
TECH SUITE
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Loti combines best-in-class industry technology with our own in-house tools to help licensed public adjusters document, manage, and negotiate complex claims with precision today. We’re also building a consumer-facing version to help homeowners navigate recovery and reduce future risks, with a beta planned for 2026.
Explore our Tech to see how we’re modernizing recovery from the inside out.
Groundbreaking Tech.
Built for Real Recovery.
California Asks Insurers to Spare Wildfire Victims ‘the List’
The New York Times
KTLA 5
If you're looking for help navigating the complexities of your insurance...
Picking Up the Pieces: How Homeowners Move Forward After Natural Disasters
Money
LOTI IN THE NEWS
A Few Popular Samples From The Library
There is soooooo much more where these came from.
START HERE
The Start Anywhere Index helps homeowners find the right guidance no matter where they are in the insurance or recovery process. It offers a flexible way to navigate key topics as needs change, bringing structure and direction to an otherwise overwhelming experience.
START ANYWHERE INDEX
Get Started
The first responders are knocking on your door and you’ve got 5 minutes to evacuate. This quick pack job should contain essential items that you can pack in less than five minutes, ensuring you are prepared to evacuate swiftly.
Emergency Kit Fast Pack
A Fairy Tale
Effective Communications
Don't know much about homeowner's insurance? That's ok - start here. This is the story of Bill The Friendly Giant and an unlucky homeowner who learned how to read his insurance policy.
Recovering from a disaster involves coordinating with numerous entities and these articles outline key points for homeowners to consider when communicating with organizations such as medical services, insurance, financial institutions, utilities and more.
This article explores the role of general contractors in the rebuilding or repair process, provides practical advice on selecting and working with a contractor, and includes specific examples and relevant web links for further reading.
Role of a GC
Sporting Goods
Long Term Housing
This chapter outlines the steps for creating an inventory of your sporting equipment, and is similar in layout to our previous Chapters on Personal Property. The associated articles offer specific guidance on how to inventory sporting goods in various categories.
Long-term housing options, such as furnished apartments & corporate housing, offer a more stable and comfortable environment for extended stays. This article explores the essentials of securing and managing long-term housing when your home is uninhabitable due to extensive repairs or damage.
Defensible space is a critical buffer between your home and the surrounding vegetation that can help slow the spread of wildfires. This article guides you through the principles of defensible space and how to design and maintain it effectively.
Defensible Space
Air, Smoke & CO
Maintaining Your HVAC
This article explores essential information about improving indoor air quality, choosing the right detectors, and understanding proper placement and maintenance to ensure your home is both safe and healthy.
This article provides a comprehensive guide to maintaining your HVAC system, including tips for regular inspections, cleaning, and optimizing the performance of key components such as furnaces, air conditioners, filters, and thermostats.
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Loti Docs are practical, downloadable tools designed to help you organize information, track decisions, and move through insurance, recovery, and rebuilding with confidence.
Explore dozens of FREE Docs and print as many as you need.
Discover Loti Docs!
DOWNLOADABLE DOCS
Rebuilding lives starts with understanding.
That’s why Loti brings together trusted guidance, licensed expertise, and modern tools to help homeowners navigate every step of recovery.
