What Documents Should I Share With Loti?

The more complete your claim file is, the easier it is to understand what happened, what has been damaged, what has already been submitted, and what still needs attention.

You do not need to have everything perfectly organized before contacting Loti. Part of our role is helping homeowners bring structure to scattered claim information. However, sharing the right documents early can help the Loti team review your situation faster and build a clearer recovery plan.

This guide explains the types of documents that are most helpful to share with Loti.

Start With What You Have

It is normal for claim documents to be spread across email, text messages, camera rolls, folders, PDFs, paper invoices, contractor proposals, and insurance carrier portals.

Start by gathering what you already have. Even partial documentation can help.

Useful materials may include:

Your insurance policy
Claim number
Damage photos
Carrier estimates
Contractor estimates
Receipts
Invoices
Personal property lists
Temporary housing records
Carrier letters
Payment summaries
Inspection reports
Notes about the timeline

If you are unsure whether something matters, include it. The Loti team can help determine how it fits into the claim.

Insurance Documents

Insurance documents help us understand the policy, claim status, coverage issues, and carrier position.

Helpful insurance documents include:

Declarations page
Full homeowners insurance policy
Endorsements
Claim number
Insurance company contact information
Adjuster contact information
Carrier estimate
Payment summary
Claim checks or payment letters
Denial letters
Reservation of rights letters
Coverage letters
Requests for information
Proof of loss forms
Emails or letters from the insurance company
Notes from phone calls with the carrier

These documents help show what coverage may apply, what the insurance carrier has already reviewed, and what open issues may remain.

Photos and Videos

Photos and videos are some of the most important claim materials.

Share photos and videos that show:

The source of damage
Wide views of affected rooms or areas
Close-ups of specific damage
Damage before cleanup or repairs
Emergency mitigation work
Demolition or removed materials
Hidden damage discovered later
Damaged personal property
Temporary repairs
Repair progress
Completed repairs

If possible, include both wide photos and close-up photos. Wide photos provide context, while close-ups show details.

Construction and Repair Documents

Construction documentation helps explain what repairs are needed, what work has been completed, and what costs are being claimed.

Helpful construction documents include:

Contractor estimates
Repair bids
Scopes of work
Xactimate estimates
Mitigation invoices
Drying logs
Moisture readings
Demolition reports
Plumbing reports
Roofing reports
Electrical reports
HVAC reports
Engineering reports
Environmental reports
Permits
Inspection records
Change orders
Repair invoices
Material receipts
Photos of repair progress

Loti’s services page explains that building loss claims may involve documented building scopes, contractor bids, 3D scans, and Xactimate estimates to help reflect rebuilding costs.

Personal Property Documents

If belongings were damaged, lost, stolen, or destroyed, personal property documentation is important.

Helpful personal property documents include:

Personal property inventory
Photos of damaged belongings
Pre-loss photos showing ownership
Receipts
Online order confirmations
Credit card statements
Manuals
Model numbers
Serial numbers
Appraisals
Replacement research
Cleaning invoices
Disposal records
Lists organized by room or category

Loti’s services page describes personal property work as organized, documented claims with inventories, photos, values, and depreciation, supported by inventory tools such as AI Vision, AI Doc Scan and The Catalog.

Loss of Use and Additional Living Expense Documents

If you cannot live in your home or your living costs increased because of the loss, share your Loss of Use or Additional Living Expense records.

Helpful documents include:

Hotel invoices
Temporary rental agreements
Lease documents
Security deposits
Utility bills
Meal receipts
Grocery receipts
Laundry receipts
Storage invoices
Parking receipts
Transportation or mileage records
Pet boarding invoices
Furniture rental costs
Moving expenses
Mail forwarding or PO Box costs
Receipts for household services
Notes explaining why each expense was necessary

Loti’s services page describes Loss of Use support as documenting eligible housing, meals, utilities, and related expenses, using custom build tools to organize receipts and submit clean documentation.

Home Business or Business Impact Documents

If your home business, rental property, small business, or income-producing activity was affected, additional documentation may be needed.

Helpful records may include:

Business income records
Profit and loss statements
Tax returns
Sales records
Inventory lists
Equipment lists
Lost income calculations
Extra expense receipts
Utility records
Client cancellation records
Payroll records
Lease or rental agreements
Business interruption documentation

Loti’s services page notes that home business and business interruption support may involve lost income, inventory, equipment, utilities, workspace, extra expenses, and organized records through numerous internal tools that are purpose built for insurance claims.

Specialist Reports

Some claims require documentation from specialists.

Share any reports from:

Plumbers
Roofers
Electricians
HVAC contractors
Structural engineers
Environmental consultants
Industrial hygienists
Mold remediation companies
Fire restoration companies
Water mitigation companies
Arborists
Appraisers
Inspectors
Public agencies
Fire departments
Police departments

Specialist reports can help explain cause, scope, safety issues, contamination, repair needs, or valuation.

Communication Records

Communication records can help reconstruct the claim timeline.

Helpful records include:

Emails with the insurance company
Texts with contractors or vendors
Letters from the carrier
Notes from adjuster calls
Claim portal screenshots
Inspection scheduling messages
Payment explanations
Requests for additional information
Denial or limitation explanations

If you took notes during calls, share those too. Dates, names, and summaries can be useful.

Timeline Information

A simple timeline can help the Loti team understand the sequence of events.

Include dates for:

Date of loss
Date damage was discovered
Date claim was filed
Date emergency repairs began
Date mitigation began
Date inspections occurred
Date estimates were received
Date payments were issued
Date repairs started
Date additional damage was found
Date you moved out or returned home, if applicable

A clear timeline helps connect the damage, documentation, expenses, and claim decisions.

How to Organize Documents Before Sharing

If possible, group your documents into basic categories:

Insurance
Photos and videos
Construction
Personal property
Loss of Use
Receipts and invoices
Reports
Communications

Do not worry if you cannot organize everything perfectly. Loti’s process is built around turning scattered information into structured claim workstreams.

Loti’s services page explains that claims are broken into focused workstreams that align with coverage and the homeowner’s situation, such as home damage, personal property, business operations, or Additional Living Expenses.

Common Questions

Do I need to share everything at once?

No. Start with what you have. Additional documents can be added as the claim develops.

What if I lost documents in the incident?

Share what you can and tell the Loti team what is missing. There may be other ways to support the claim, such as photos, bank records, online purchase histories, contractor reports, or carrier records.

Should I send original documents?

Whenever possible, keep your originals and send copies or digital versions.

What if my documents are disorganized?

That is common. Loti helps organize claim information into clearer categories and workflows.

Should I include documents from before the damage?

Yes. Pre-loss photos, receipts, appraisals, maintenance records, renovation invoices, and prior property records can be very useful.