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Home Replacement Program
PUBLIC ADJUSTING PROGRAMS
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After a major property loss, many homeowners assume their only option is to rebuild. But rebuilding isn’t always the right fit—especially when faced with construction delays, budget overruns, or life circumstances that make starting from scratch feel overwhelming. That’s where Loti’s Home Replacement Program comes in.
Our program is designed for homeowners who want to explore a faster, more flexible path back to stability by using their insurance proceeds to purchase a new home. We help you understand every angle—financial, logistical, and emotional—so you can make a confident, informed decision about what comes next.
We begin by reviewing your insurance policy in detail, identifying replacement cost provisions, extended benefits, and any conditions attached to using your funds for a new property.
OUR APPROACH
Home Replacement—Reimagining Recovery Beyond Rebuilding
Then, we walk you through the entire replacement process:
This isn’t just about paperwork—it’s about giving you back control. With our help, you can avoid the uncertainty of a long rebuild and instead focus on finding a new home that fits your lifestyle, location, and timeframe.
Loti’s Home Replacement Program is designed to reduce stress, unlock flexibility, and accelerate your return to comfort and stability. If rebuilding feels like too much—or simply isn’t the right choice for your family—we’re here to help you make the most of your policy and find a new way home.
Work with your real estate agent to analyze your land value and projected sale price, taking into account market conditions and any debris or damage
Break down the rebuild vs. replace decision—including timelines, costs, and stress factors
Help connect you with experienced real estate professionals to guide your sale and purchase
Structure the proper application of insurance proceeds—so the transaction stays within policy terms and gets approved by your insurer
Then, we walk you through the entire replacement process:
This isn’t just about paperwork—it’s about giving you back control. With our help, you can avoid the uncertainty of a long rebuild and instead focus on finding a new home that fits your lifestyle, location, and timeframe.
Loti’s Home Replacement Program is designed to reduce stress, unlock flexibility, and accelerate your return to comfort and stability. If rebuilding feels like too much—or simply isn’t the right choice for your family—we’re here to help you make the most of your policy and find a new way home.
Process For Sellers
What is A Real Estate Agent
Selling vs Rebuilding
After a disaster, homeowners often face the difficult decision of whether to sell their damaged property or rebuild, weighing factors like insurance payouts, rebuilding costs, market conditions, and long-term finances. These RallyBacks bring together key considerations around selling and connect many of the related topics covered throughout our library.
A real estate agent helps buyers and sellers navigate property transactions, providing guidance on pricing, market conditions, and negotiations. This article explains their role after a disaster, including selling damaged property and assisting homeowners in finding and purchasing a replacement home.
Selling a home or damaged lot after a disaster involves a different process shaped by market conditions, insurance settlements, and buyer demand. This article outlines the key steps to prepare the property, negotiate offers, and complete the sale while protecting value and addressing legal and financial considerations.
EVALUATING SELLING
Below is a handful of articles that may help you understand the rebuild vs selling decision.
Just click and go.
LEARNING IS EASY
Replacing a home is a major decision, and having the right information makes all the difference.
