Welcome to Your Learning Hub
Here you will find resources to help navigate a wide range of rebuilds emergencies, replacements & more.
Call us toll-free
888-488-LOTI
A Quick Primer
As homeowners, we face a wide range of incidents that can impact our homes—leading to insurance claims, construction and financing challenges, and complex interactions with carriers. Depending on where you live, there are also different strategies to maintain or harden your home against future risks. That’s why we’ve built the most comprehensive library of homeowner-focused content anywhere.
At Loti, you’ll find thousands of articles (which we call Rallybacks), dozens of free downloadable tools and documents, and the world’s only glossary dedicated to insurance, claims, and construction terms. We’ve even published a series of books on Amazon.
It all starts here. Take your time and explore—there’s a lot to discover, and even more to help you take control.
GETTING STARTED
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
RallyBacks are Loti’s growing library of educational guides designed to help homeowners navigate insurance, recovery, rebuilding, and long-term protection. They turn complicated processes into understandable steps you can act on with confidence, covering everything from documentation and coverage basics to rebuild decisions and ongoing home care.
100's of RallyBack Articles.
RALLYBACKS
Explore
DOWNLOADABLE DOCS
Loti also offers dozens of downloadable and printable resources covering insurance, real estate, construction, and related topics. These practical documents are designed to help you organize information, track decisions, and move through complex processes with greater confidence and control.
Dozens of Free
Downloadable Docs!
Explore
GLOSSARIES
Our glossaries include thousands of terms spanning insurance, construction, finance, maintenance, legal and everyday homeownership. They’re designed to help you quickly understand unfamiliar language so you can follow along, ask better questions, and make informed decisions.
Glossaries With
1000's Of Terms.
Explore
POCKET BOOKS
RallyBack Pocket Books are hardback books, available on Amazon and offer a portable, easy-to-reference version of many of our RallyBacks. Designed for on-the-go use, they give you practical guidance you can access anytime, whether you’re preparing, recovering, or planning next steps.
RallyBack Pocket Books
Published On Amazon.
Explore
From seasonal maintenance and storm prep to home safety, security, and insurance basics, RallyBack Briefs focus on one small, useful idea at a time. They are quick to read, easy to skip, and designed to help you stay ahead without feeling overwhelmed.
Protect Your Home A Little At A Time With RallyBack Briefs.
NEWSLETTER BRIEFS
Sign up here to start receiving RallyBack Briefs.
A Few Popular Samples From The Library
There is so much more where these came from.
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
Declarations Page
Selling vs Rebuilding
One of the most important documents in your insurance policy is the Declarations Page. This detailed guide will walk you through the components of a typical Declarations Page and explain how to interpret each section.
After a disaster, homeowners must decide whether to sell their damaged property or rebuild. These Rallybacks help homeowners understand key financial considerations to make the best choice for their situation.
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.
Loti’s Recovery Roadmap provides a clear, step-by-step guide to navigate the often overwhelming process of rebuilding after a disaster. From securing temporary housing and filing insurance claims to managing contractors and avoiding scams, it empowers homeowners with actionable advice at every stage.
This is an example of one of our dozens of free Docs ready for download. Click here to see more:
At-A-Glance Recovery Roadmap
DOCS AT A GLANCE
INSURANCE DOC
How to Read Your Dec Page
POPULAR DOC SAMPLES
Your Declarations Page - or 'Dec Page' - provides a quick summary of your homeowner's policy coverage. This primer walks you through how to read it.
PERSONAL PROPERTY DOC
Depreciation Tables For Items
This depreciation table represents the default settings within our product suite for all Items (largely used in Personal Property).
EMERGENCY DOC
Utility Checklist for Evacuation
This checklist provides a step-by-step guide to safely shutting off water, gas, and electricity in an emergency situation.
CONSTRUCTION DOC
General Contractor Estimate Sample
This sample bid / estimate is one of a few we have available to outline how information may be organized when you receive a similar document from your contractor.
Emergency Planning and Evacuation Tips for Homeowners and Families
01
Be Ready: Emergency Planning & Evacuation
$29.95
A Recovery Guide for Disaster Victims Covering Rentals, Initial Residence To Dos & Community Engagement
02
The Next Few Weeks
COMING SOON
A Pocket-Sized Overview of Homeowners Policy Coverages, Endorsements, Perils and More
03
Understanding Your Insurance Policy
$29.95
A Guide to Section II of Your Homeowners Insurance Policy
08
Liability & Medical To Others
COMING SOON
Tips on Accessing Your Coverage for Loss of Use / Additional Living Expenses
07
Loss of Use (ALE) Coverage
COMING SOON
Techniques to Protect Your Home and Reduce the Risk of Insurance Claims
09
Hardening Your Home
COMING SOON
Knowledge is one of the most powerful tools in recovery, and we’re here to put it in your hands.