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Personal Property Claims
PUBLIC ADJUSTING PROGRAMS
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At Loti, we make the personal property claim process faster, smarter, and far less overwhelming. After a loss, trying to remember every item you owned—let alone justify its value—is one of the most frustrating and emotional parts of an insurance claim. That’s why we built a system that combines human care with technology precision to take that burden off your plate.
We start by learning how you live. Our personalized household questionnaire captures the details that matter: room types, residents’ ages, interests, hobbies, routines, and collections. Whether it’s a child’s bedroom filled with sports gear, a kitchen tailored to a home chef, or a garage workshop packed with tools, we tailor the inventory to your lifestyle—not just a generic checklist.
OUR APPROACH
Personal Property Claims—Thoroughly Documented, Professionally Managed, and Built Around How You Live
We perform onsite inspections (where possible) to photograph and assess salvageable items
Use AI-powered tools and lifestyle-based modeling to uncover “out-of-sight” losses you may forget
Match all items to real-time retail comparables for accurate replacement cost values
Apply our proprietary depreciation engine, which considers age, wear, use, and item type
Organize receipts, photos, credit card histories, and known purchase data into a streamlined submission
We perform onsite inspections (where possible) to photograph and assess salvageable items
Use AI-powered tools and lifestyle-based modeling to uncover “out-of-sight” losses you may forget
Match all items to real-time retail comparables for accurate replacement cost values
Apply our proprietary depreciation engine, which considers age, wear, use, and item type
Organize receipts, photos, credit card histories, and known purchase data into a streamlined submission
Once we understand your household profile, our team gets to work:
Every item is categorized by room and grouped by coverage type—ensuring nothing is overlooked, undervalued, or misfiled. Our in-house technology platform enables fast processing and smart formatting, so your claim is easy to review and hard to dispute.
The final result is a complete, professionally documented inventory that’s ready to submit to your insurance company. And we don’t stop there—we handle the negotiations too. Our team explains the logic behind the values, defends your replacement costs, and works directly with your adjuster to get everything properly applied under your policy terms.
With Loti, you don’t just get a list—you get a fully supported claim designed to maximize recovery and minimize stress.
Once we understand your household profile, our team gets to work:
Every item is categorized by room and grouped by coverage type—ensuring nothing is overlooked, undervalued, or misfiled. Our in-house technology platform enables fast processing and smart formatting, so your claim is easy to review and hard to dispute.
The final result is a complete, professionally documented inventory that’s ready to submit to your insurance company. And we don’t stop there—we handle the negotiations too. Our team explains the logic behind the values, defends your replacement costs, and works directly with your adjuster to get everything properly applied under your policy terms.
With Loti, you don’t just get a list—you get a fully supported claim designed to maximize recovery and minimize stress.
Hobbies & Professional
Interior Rooms
Personal Property Coverage
Personal Property coverage protects your belongings, such as furniture, electronics, and clothing, if they are damaged, destroyed, or stolen, and is a key part of a homeowners insurance policy. This guide explains how the coverage works and uses practical examples to show how it applies in different situations.
Homes are made up of many rooms, each with typical items that affect design, function, and inventory planning during a rebuild, remodel, or insurance claim. This overview outlines common rooms and their contents to help you build a complete inventory while avoiding double counting items that appear in multiple spaces.
Hobby and professional supplies can represent significant value, whether used for personal enjoyment or income, and should be carefully inventoried to ensure proper insurance coverage. This chapter explains how to inventory common categories such as art, crafting, music, photography, and other specialized supplies, with additional articles offering more detailed guidance.
TIPS FOR YOUR BELONGINGS
Below is a handful of articles that may you build your inventory & understand your coverage.
Just click and go.
LEARNING IS EASY
From everyday items to specialized belongings, a structured personal property program helps ensure nothing important is overlooked.
