SCOPES OF LOSS
ONE CLICK DOCUMENTATION
Insurance Submissions is Loti’s one-click powerhouse—arguably the most important button in insurance.
With a single action, homeowners can generate a fully itemized report of estimated losses and/or incurred expenses, complete with supporting evidence, ready for direct submission to their insurance adjuster. It’s the final step in turning chaos into clarity—fully automated, highly detailed, and perfectly organized.
Each Insurance Submission includes a clean, professional summary page that gives adjusters everything they need upfront.
It features key details like policy and claim information, homeowner contact info, and embedded photos of the damage for immediate context. If available, it also includes links to relevant first responder reports, such as fire or police documentation, ensuring the claim starts with a clear and credible foundation.
Clean & Concise
INSURANCE & CLAIM INFO
01
PERSONAL PROPERTY
02
Every lost or damaged item is listed with its description, depreciation, and actual cash value. When replacements are purchased, they’re automatically synced to the original item for side-by-side comparison.
Linked receipts, photos, appraisals, and other documentation are seamlessly included, with everything grouped by interior room or exterior space to make adjuster review easier and more efficient.
Lost Items & Replacements
DWELLINGS & STRUCTURES
03
For structure-related claims, the system automatically includes critical support materials—like damage photos, architectural plans, contractor estimates, and building permits.
Professional services such as cleaning, repairs, reconstruction, and architect fees are also captured and linked to relevant estimates. As the rebuild progresses, new invoices and receipts are nested under their original estimates to create a clear financial trail of ongoing costs.
Repair & Rebuild
LOSS OF USE
04
Loss of Use expenses—like hotel stays, temporary rents, increased utilities, and grocery bills—are also included, clearly categorized and ready to review.
The same level of clarity extends across all relevant endorsements, ensuring that even the most complex policies are easy for adjusters to follow and respond to.
Bills, ALE & More
This helps EVERYONE
It all starts with one powerful click. The Insurance Submission button instantly compiles your entire file—items, services, documents, and evidence—into a clear, professional package.
For your adjuster, the output is easy to navigate, fully organized, and designed to help them process your claim more efficiently and accurately—so you get better results, faster.
FOR BOTH HOMEOWNER & ADJUSTER
Invoices and receipts are intelligently grouped under original estimates to show progress and spending over time.
DOC NESTING
Includes attachments like receipts, appraisals, estimates, permits, and first responder reports—organized for clarity and context.
LINKED DOCS
Automatically generates a clean overview page with policy details, claim number, contact info, and embedded photos of the damage.
SUMMARY
Itemized lists are sorted by room or space, making it easy for adjusters to follow and verify the claim.
SMART LOCATION
Button displays real-time total of expenses and losses currently ready to submit, based on user inputs and allocations.
DYNAMIC DISPLAY
Instantly compiles all assigned items, services, receipts, and documents into a professional, ready-to-send insurance submission.
ONE CLICK
PRODUCT FEATURE SET
The orange plus button allows users to instantly add new items, documents, or evidence to their file without leaving the submission interface.
QUICK ADD
Tracks and separates costs related to endorsements like debris removal, code upgrades, or special valuables for accurate allocation.
ENDORSEMENTS
Captures and categorizes expenses related to temporary housing, utilities, food, and travel for streamlined reimbursement.
LOSS OF USE
Loti's Insurance Submissions turns a mountain of evidence into a single, powerful action—giving you control, giving your adjuster clarity, and giving your claim the best possible chance of success.
