Handled End-to-End by Loti

Building Loss Claims

PUBLIC ADJUSTING PROGRAMS

services

EXCLUSIVE PROGRAM

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.

Access our library of free, downloadable documents—templates, checklists, and guides to help you stay organized, informed, and in control throughout your insurance claim.

CHECK OUT OUR FREE DOWNLOADABLE DOCS FOR CONSTRUCTION

DOWNLOADABLE DOCS

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

Below is a handful of articles that may be relevant to your situation.

Just click and go.

LEARNING IS EASY

Simplifying recovery with expert guidance, organized claims and faster insurance payouts.