Handled End-to-End by Loti
Every Covered Loss.
Every Major Incident.
YOUR HUB FOR INCIDENT INFO
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We handle every disaster type—from fires and floods to theft, vandalism, and accidents.
Our experts organize claims by coverage category and loss type for maximum recovery.
From start to finish, we document, submit, and negotiate—so you don’t have to.
All Major Incidents. Full Support.
Not all disasters are the same—and neither are the claims.
At Loti, we help you explore the different types of incidents you might face—fire, water damage, storms, theft, accidents, and more—and explain how the claims process, tools, and strategy may change depending on what happened. From specialized documentation to tailored submission formats, we adapt our approach to match the situation—ensuring every claim is handled with the right expertise and the right tools.
Explore the different incidents below to see how we can help.
All Major Incidents.
Aircraft
MAJOR INCIDENTS
Damage from falling aircraft or debris—whether from private planes or commercial aircraft—is typically covered under most policies
Explosion
Explosions—whether from gas leaks, appliances, or industrial sources—can cause widespread structural and contents damage.
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Falling Trees
When trees or branches fall and damage your home, coverage depends on what caused the fall—wind, rot, or neglect—and where the tree was located.
Fire
Fire losses—whether from wildfires or household incidents—are among the most traumatic and complex insurance claims a homeowner can face.
Most insurance policies cover these types of incidents under normal circumstances. Our licensed adjusters have decades of experience handling these types of claims and are more than happy to help you through the process.
Freezing
Frozen pipes, sprinkler systems, and water supply lines can burst and lead to significant damage. Most policies cover freezing—but only if you took steps to heat the home or shut off the water while away.
Hail
Hail can damage roofs, siding, skylights, windows, and exterior systems like HVAC units—often with impacts that aren’t visible from the ground.
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Hurricanes
Hurricanes bring a destructive mix of high winds, wind-driven rain, flooding, and debris—often damaging roofs, windows, siding, fencing, and interior contents in a single event.
Ice Dams
Ice dams form when melting snow refreezes at the roof’s edge, trapping water that can seep under shingles and into walls, ceilings, and insulation.
Lightning
Lightning strikes can cause serious damage in an instant—igniting fires, frying electronics, and damaging electrical systems deep inside walls.
Power Surges
Power surges caused by lightning or utility service failures can fry appliances, HVAC systems, and electronics.
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Riot
Damage from riots, protests, or civil unrest—including vandalism, fire, or theft—is typically covered under standard homeowners policies.
Smoke
Even without flames, smoke can infiltrate walls, vents, insulation, furniture, and personal belongings—causing serious damage.
Snow Load
Heavy snow accumulation on your roof, deck, or carport can lead to sagging, cracking, or total collapse.
Tearing & Cracking
Sudden tearing, cracking, or bulging of heating or cooling systems—like water heaters, boilers, or air conditioners—can result in serious water or steam damage.
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Theft
Theft is one of the most emotionally frustrating claims a homeowner can face—it's not just about stolen property, but a loss of safety and trust.
Tornadoes
Tornadoes can destroy homes in seconds—ripping off roofs, shattering windows, leveling structures, and scattering personal belongings across entire neighborhoods.
Vandalism
Vandalism and malicious mischief can leave more than just physical damage—they often come with a sense of violation and frustration that’s difficult to shake.
Vehicle Impacts
When a car, truck, or other vehicle crashes into your home, garage, fence, or landscaping, the damage is often sudden, severe, and highly disruptive.
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Volcanoes
While rare, volcanic eruptions can cause extensive property damage through lava flow, ash, airborne shockwaves, and seismic activity.
Water & Steam
Water and steam damage can happen suddenly or build up over time—burst pipes, failed valves, overflowing tubs, or broken water heaters can all lead to serious structural and contents loss.
Windstorms
High winds can rip off shingles, collapse fences, uproot trees, damage siding, and tear through roofs—often causing water to enter and compound the loss.
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SPECIALIZED INCIDENTS
Earthquake
Earthquakes can cause immediate and widespread structural damage—from foundation cracks and collapsed walls to ruptured pipes and electrical hazards.
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Earth Movement
Landslides, mudflows, and other types of earth movement can cause devastating damage—but most homeowners policies exclude them unless you carry specialized coverage.
Flooding
Flooding is one of the most common—and least covered—types of home damage under standard policies.
These types of incidents are generally not covered under a standard insurance policy. However there are specialized policies available where these would be covered and of course Loti can handle the associated claims.
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Storm Surge
