A fire—whether caused by a wildfire, electrical fault, kitchen accident, or external event—is one of the most traumatic experiences a homeowner can endure. Beyond the emotional toll, fire claims are among the most complex and time-consuming types of insurance processes. Most standard homeowners policies do cover fire-related losses, including structural damage, personal property destruction, and temporary living expenses if your home becomes uninhabitable. But while the coverage may sound straightforward, navigating the claim is anything but.
From the moment the flames are extinguished, you’re thrust into a demanding process that requires fast action, meticulous documentation, and constant follow-up. Insurers often require extensive proof for each item lost—photos, receipts, ages, values, and depreciation details—and they may push back on big-ticket items, custom finishes, or claims that lack precise documentation. Reconstruction estimates are frequently undervalued, and personal property inventories are scrutinized line by line. Add in the delays caused by adjuster shortages, wildfires that impact entire regions, or disputes over scope and pricing—and it’s easy to feel overwhelmed, alone, or left in the dark.
At Loti, we help turn confusion into clarity. Our team steps in early to organize every aspect of the claim—from building loss estimates and personal property inventories to additional living expense tracking and policy analysis. We don’t just help you fill out forms—we help you understand the full scope of your coverage, identify missed opportunities, and negotiate directly with your insurer to get your life back on track.
OUR APPROACH
Fire Damage—A Devastating Loss That Requires Clarity, Speed, and Expertise
Report the loss to your insurer and request a certified copy of your full policy
Secure your property and begin photographing all damage, both structural and personal
Retain or document any remaining items—charred contents, salvageable belongings, and construction elements
Start your personal property inventory and begin estimating the cost of repair and replacement
Review every settlement offer carefully—and don’t be afraid to ask for help before signing anything
Key Steps We Help You Take After A Fire:
We know fire claims are about more than money—they’re about home, family, stability, and recovery. That’s why at Loti, we approach fire losses with urgency, compassion, and precision. From day one to final payment, we stay by your side—organizing the evidence, defending your claim, and helping you move forward with confidence.
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What Is the Fire and Lightning Peril?
The fire and lightning peril is a specific risk covered under most standard homeowners insurance policies. It provides coverage for damage to your home and Personal Property caused by fire, smoke, or lightning strikes. This peril is a fundamental part of homeowners insurance, given the potential for significant damage and loss associated with these events.
Understanding the Fire and Lightning Peril in Your Homeowners Insurance Policy: A Detailed Guide
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