At Loti, we take the complexity out of building loss claims and replace it with speed, clarity, and confidence. Whether your home suffered partial damage or was completely destroyed, our team works quickly to document every detail—capturing your home’s footprint, identifying what remains, and rebuilding the full picture of what was lost.
We start with a short homeowner questionnaire and gather any available plans, permits, photos, or design records. From there, we create a detailed Scope of Loss that reconstructs your original home—room by room, feature by feature. Our scoping includes:
Specialty construction techniques, architectural details, and finish levels
Interior features like flooring, cabinetry, countertops, lighting, appliances, fireplaces, and built-ins
Exterior structures such as decks, patios, pools, fences, outbuildings, and landscaping
OUR APPROACH
We have a personalized roadmap for every client & every situation.
Once the scope is established, we prepare a comprehensive Replacement Cost Estimate using current market pricing, contractor feedback, and our proprietary technology platform. Our pricing is rooted in real-world costs—not generic insurance databases—so your claim reflects what it will actually take to rebuild.
We work directly with your contractor (if already selected), local engineers, and your insurance company. Our team handles submissions, fields insurer questions, and negotiates scope, pricing, and coverage categorization—so you’re not left chasing approvals or justifying line items.
Every cost is clearly organized into your policy’s coverage buckets: dwelling (Coverage A), other structures (Coverage B), ordinance and code upgrades, debris removal, landscaping, and more. We help ensure you’re not missing hidden value or leaving unclaimed benefits on the table. For homeowners choosing not to rebuild, we offer access to our Home Replacement Program, which aligns your policy benefits with the purchase of a new property.
From initial assessment to final payout, we bring structure, precision, and transparency to every step—so your rebuilding process starts with a solid foundation.
Construction
Extended Replacement Costs
Understanding Your Dec Page
FREE RALLYBACKS
A Detailed Guide for Understanding Your Insurance Declarations Page
Understanding Extended Replacement Cost Coverage Endorsements in Your Policy
A Rebuilder's Guide to Construction Terms, Phases & Personnel
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