Handled End-to-End by Loti
Building Loss Claims
PUBLIC ADJUSTING PROGRAMS
programs
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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 Xactimate. Our pricing is rooted in real-world costs, 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.
Abatement
Dwelling Coverage
General Contractor Roles
Rebuilding or repairing after a disaster can be overwhelming, and choosing the right general contractor is one of the most important decisions you’ll make, as they coordinate the work, timeline, budget, and quality of construction. This article explains the role of general contractors and offers practical guidance on selecting and working with one, along with examples and resources for further reading.
Primary Dwelling coverage protects the structure of your home from damage caused by covered events like fire, wind, or other disasters and is a critical part of a homeowners insurance policy. This guide explains how the coverage works and uses practical examples to show how it applies when repairing or rebuilding your home.
If you’re a homeowner undertaking a construction project, repair or rebuild, understanding hazardous materials and their proper abatement is critical for safety, liability, and compliance. This guide covers the key concepts of abatement, with a focus on asbestos, lead (and lead‑based paint), and combustion by‑product particulates (from fire, smoke or fuel combustion). You’ll learn what testing and remediation steps are typically required, how to choose qualified professionals, and what to expect in the process.
CONSTRUCTION ADVICE
Below is a handful of articles that may be relevant to your situation.
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LEARNING IS EASY
When building losses are handled thoroughly and correctly, settlements improve and rebuilds go more smoothly. A structured claims approach makes the difference.
