OUR APPROACH
Loss of Use Claims—Living Elsewhere Without the Guesswork
When your home becomes unlivable, Loss of Use coverage is there to keep your life moving—but navigating it can be confusing and frustrating without the right support. At Loti, we simplify the process by building a personalized Additional Living Expense (ALE) claim based on your household’s actual needs, not one-size-fits-all templates.
We begin by analyzing your policy to determine whether it provides Fair Rental Value, Additional Living Expense, or both. Then we apply the appropriate strategy to help you claim and recover everything you’re entitled to, including:
Temporary housing costs—hotels, rentals, pet boarding, and move-in fees
Increased everyday expenses like food, laundry, utilities, and communication
Transportation related to work, school, errands, or medical care
Accessibility and safety modifications such as ramps, grab bars, and home security
Throughout the process, we help you track and organize receipts, expenses, mileage logs, and supporting documents—so your claim is clear, complete, and audit-ready.
Our in-house technology platform helps categorize each cost by policy type, compare expenses against baselines, and package the submission for efficient review. We also coordinate directly with your insurer to explain your claim, respond to questions, and push for timely payment.
Loti’s Loss of Use program is about more than reimbursement—it’s about making sure you can live safely, comfortably, and with stability while your home is repaired or replaced. With our support, your temporary life doesn’t have to feel uncertain.
Temporary Housing
Loss of Use
Understanding Your Dec Page
FREE RALLYBACKS
A Detailed Guide for Understanding Your Insurance Declarations Page
Understanding Loss of Use Coverage in Your Homeowners Insurance Policy: A Detailed Guide
Temporary Housing Options for Homeowners When a Home is Unlivable
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