The first days after a disaster can feel overwhelming. Start with a few essential insurance and housing steps to protect your recovery and get the support you need.
First Things First.
YOUR DISASTER PLAYBOOK
Call us toll-free
888-488-LOTI
You may be trying to find a place to stay, reconnect with family, replace essentials, and understand what is left of your home, all while people are asking for information and decisions. It is a lot.
For now, focus on the basics: open the claim, get your policy, understand the benefits available to you, and establish an appropriate budget for temporary housing. These early actions can make the weeks and months ahead much more manageable.
Take a Breath.
Then Take the First Step.
Take a Breath. Then Take the First Step.
Your first STEPS
Contact your insurance company and report the loss. Get your claim number, your adjuster’s contact information, and instructions for submitting immediate expenses. Take notes during every conversation and confirm important decisions in writing.
Make the First Call.
Request the complete policy, including the declarations page, endorsements, and all policy forms. Then use our FREE Understanding Your Insurance Policy Tool to translate the fine print, identify important coverages and benefits, and prepare questions for your adjuster.
Understand Your Policy.
Begin looking for temporary housing that meets your household’s needs. Consider location, pets, schools, commutes, accessibility, furnishings, and how long you may be displaced. Save listings and document your search, especially when a widespread disaster has reduced local availability.
Find Your Footing.
Fair Rental Value helps determine an appropriate budget for comparable temporary housing. Use our FREE Fair Rental Value Tool to evaluate your home, current rental listings, and local market conditions before discussing housing options with your insurer.
Establish FRV.
Request advances for temporary housing, clothing, food, transportation, and other immediate needs. Ask how each payment will be applied to your coverage, what documentation is required, and when you can expect the funds. Save every email, letter, receipt, payment record, and claim note from day one.
Ask for Money Now.
To get started, we've gathered a few helpful AI enabled tools & articles, but feel free to reach out to us directly for immediate help.
Free AI Tools & Articles.
Free AI Tools & Articles.
Fair Rental Value is an AI enabled tool that uses real market data to estimate your home’s rental value using real data for a clear, defensible market number you can trust.
Know Your Fair Rental Value.
Let’s Talk Policy is an AI enabled tool that translates complex insurance documents into a clear, structured guide you can easily understand.
Learn About Your Insurance Policy.
Insurance Comms
Finding A Rental
When disaster strikes and you need to rebuild your home, finding a suitable long-term rental is a crucial step.
This is a guide to help you navigate this process, utilizing various services and resources to secure a comfortable and convenient temporary living situation.
Recovering and rebuilding after a disaster or incident is a complex process that often involves extensive communication with various insurance providers. Loti can help, but properly managing these communications is crucial to ensure you receive the coverage and support you need and this guide will help homeowners understand how to effectively communicate with their insurance companies.
A Fairy Tale
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.
A 6 Star, Hassle-Free Experience.
Our licensed public adjusters simplify the complex claim process with trusted expertise, modern tools, and ongoing support through every stage of your recovery.
This is what a truly hassle free claim experience looks like.
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
How to inventory your property for insurance claims
Fortune
Rich On Tech
Free Resources for SoCal Wildfire Victims: Data Recovery, Insurance Help & More
California Wildfire Survivor Who Watched His ‘House Burn’ Uses Experience To Help L.A. Victims Navigate Rebuilding Their Lives
Realtor.com
iHeart
Emergency Tech, Best TVs for the Big Game & Real-Life Jurassic Park
How to inventory your property for insurance claims.
AOL
Yahoo!
Will you be ready when disaster strikes?
LOTI IN THE NEWS