In this blog post, I share one of the best resources I have found to help our communities start rebuilding. Recovering after a wildfire can be overwhelming; my latest blog post links to some fantastic step-by-step information about rebuilding after a fire. Welcome to After a Wildfire: LOTI.com. For those who have lost their homes in the devastating fires across Southern California—including Eaton Canyon, Pacific Palisades, and the Hollywood Hills—LOTI.com is an invaluable resource to help navigate the rebuilding process. Created by a homeowner who lost their home in the 2019 Kincade Fire in Northern California, this site offers a step-by-step guide to recovery, from immediate next steps to long-term rebuilding. Loti.com is a group of designers, insurance pros, technologists and – yes – fellow victims. They offer tons of free content and best in class public adjusting services.
Series 1 – Early Steps
Our first 4 Rallybacks outline information needed in the initial stages of an incident. These include emergency evacuations and handling the aftermath as well as understanding your insurance policy and possible financial considerations.
Series 2 – Recovery
Let’s roll up our sleeves and begin your Recovery together. This series is all about rebuilding. Learn how to manage construction, inventory your belongings, organize your expenses, and handle any liabilities.
Welcome to Life 2.0! This final series covers on-going homeownership with guidance for homes new, old, and everywhere in between. Learn how to harden and maintain your home to lower the risk of future incidents, and get the coverage and protection you need. There’s something here for everyone so let’s begin the final leg of our journey.
Key Resources on LOTI.com
1. Navigating Insurance & Rebuilding
One of the biggest challenges after losing a home is dealing with insurance claims and rebuilding. LOTI provides:
- Guidance on understanding your insurance policy
- Questions to ask contractors
- Budgeting tips for the rebuild
- A downloadable general contractor estimate sample to help you understand bids and costs
2. Pocketbooks for Recovery
In addition to free resources, LOTI offers affordable guidebooks on Amazon. Some of the most helpful titles include:
- Understanding Your Insurance Policy – A breakdown of what your policy covers
- The Next Few Weeks: Recovery Guide for Disaster Victims – Covers finding temporary housing, community engagement, and essential to-do’s
- Homeowner’s Guide to Construction – Explains construction terms, phases, and what to expect during rebuilding
- Loss of Use & ALE Coverage – Tips for accessing Additional Living Expenses (ALE) after a disaster
3. Preventing Future Wildfire Damage
For those looking to protect their homes before disaster strikes, LOTI.com offers expert advice on:
- Hardening your home against wildfires
- Reducing the risk of insurance claims by implementing safety measures
4. Immediate & Practical Tools
Even if you’re not ready to dive into rebuilding, LOTI provides:
- A Utility Checklist for Evacuation – A must-have for those preparing for wildfire season
- A Recovery Roadmap – A step-by-step overview of what to expect after a fire
- A Depreciation Table – Understand how insurance values personal property
Explore LOTI.com Today
Whether you are starting your recovery journey, preparing for the unexpected, or simply want to be informed, LOTI.com is a must-visit resource. Head to the Learning section to explore everything available—it’s truly a lifeline for homeowners in need.