Know Before
You Need to Know.
You don't need to be an insurance expert. You just need to be prepared. LossSense helps homeowners, businesses, and even municipalities document, organize, and understand what they have — before a loss ever happens.
Built by adjusters, for people who want to understand their policy.
The Independence Principle
- No insurance commissions
- No percentage of the claim
- No claim settlement fee
- No contingency fees
- No financial interest in any claim outcome
- No legal representation — we are not attorneys
Experience
Three generations and 50+ years of combined property and casualty adjusting experience, distilled into plain-language guidance.
Independence
We aren't a carrier, agency, broker, attorney, or public adjusting firm. Our fees are never contingent on the outcome of a claim.
Preparation
Our job happens before the loss — organizing, documenting, and clarifying, so you're ready if the day ever comes.
A family record of
property and casualty adjusting.
LossSense was built on the idea that preparedness shouldn't require becoming an insurance expert — just some basic educational preparedness from someone without any stake in your claim or policy, before a loss forces you to find out.
That idea didn't start with one person. It's the accumulated perspective of three generations of adjusters, each of whom spent a career learning what separates a policyholder that's ready from one that's caught off guard.
For decades, we've seen what happens after a loss — the documentation people wish they had, the questions people wish they'd asked, how difficult it is to reconstruct what existed before. That's the perspective LossSense is built on.
Where it started
The first in our family began adjusting property and casualty claims in the 60s, developing the foundational instinct for what documentation and preparation actually matter when a loss occurs.
Carried forward
The subsequent generation continued the family's work in adjusting, expanding the practical, on-the-ground experience that would eventually shape LossSense's approach to preparedness.
LossSense founded
Building on 15+ years of personal property and casualty adjusting experience — and everything learned from the two generations before — LossSense was founded to bring that same instinct to homeowners, businesses, and even municipalities before a loss, not after.
Real adjusting experience.
No stake in any potential claim outcome.
Most of what you'll find about insurance comes from someone trying to sell you a policy or represent you in a dispute. LossSense does neither. Our public services are straightforward: basic preparedness education from people who spent careers on the adjusting side, before a loss ever happens.
- "My business partner bought the policy and we have everything we need. I do not need to have an active alarm system, with a contracted monitoring system — I monitor the cameras myself." The policy required a monitored alarm system. Total fire loss — claim denied.
- "This contractor told me that they would take care of everything with the insurance company. Now the carrier is telling me I have a limited water damage endorsement." We recommend talking to your agent — there is nothing that can be done once a loss has happened.
- "My agent told me I have full coverage." The agent sold a policy with a higher deductible and special limitations for a cheaper premium. Because it was a Basic Form policy, there is no coverage for plumbing losses — claim denied.
- "What is coinsurance, and why do I have to carry 80% insurance to value?" Coinsurance is part of the contractual agreement that is the policy. Valuation can be based on actual cash value or replacement cost value, usually listed on the declarations page. It functions like another deductible — a portion of the loss you've agreed to pay — and that amount is subtracted from any potential loss payment.
Eight kinds of clients. One goal:
knowing what you have, before a loss forces you to find out.
Renters
Homeowners
Condominium Unit Owners
Condominium Associations
Business Owners
Building Owners
Municipalities / Townships
Business Group Education
Licensed adjusting, appraisal,
and mediation — on assignment.
Carriers and TPAs may submit adjusting, appraisal, and mediation assignments. Policyholders, public adjusters, and attorneys may submit appraisal and mediation assignments. Work is led by a licensed all-lines adjuster with 15+ years of property and casualty experience, licensed in most states.
Adjusting
Appraisal
Mediation
How assignments work
Let's find out
what you're prepared for.
LossSense
What you'll receive,
once you're signed up.
Your secure client portal
After you sign your agreement, we send you a private link to our secure portal, where you upload your signed agreement and policy documents and view your files. Please do not email or submit policies through this website. Questions? Email info@losssense.com or call 407-920-9582.
Preparedness Checklist
The self-serve checklist you fill out yourself.
Preparedness Report
The adjuster-completed policy analysis and summary.
Business Preparedness Report
The adjuster-completed report for business policies.
Privacy Policy
LossSense, LLC ("LossSense") collects only the information you choose to send through this website, such as your name, email, phone number, and the details you enter in our forms. We use it to respond to your request and to provide the services you ask for. We do not sell your information.
Form submissions are delivered to LossSense through our website host. Please do not include Social Security, payment, or medical information in any form. Policies and signed agreements are exchanged only through our secure client portal.
Client files are kept confidential and retained for 3 to 5 years, as required for licensed adjusters, and then securely disposed of. This website may use basic technical logs and cookies to operate. To ask about or request changes to your information, email info@losssense.com.
Effective November 2026.
Terms of Use
This website provides general information about LossSense, LLC and its services. Content is educational, is not legal advice, and is not a guarantee of coverage under any insurance policy. Every policy's conditions are different.
LossSense is not an insurance company, a public adjusting firm, or a law firm, and does not adjust claims for the public. Submitting a form does not create an engagement; services begin only under a written agreement signed by LossSense and the client.
Content on this site belongs to LossSense, LLC and may not be copied without permission. Use of this site is governed by Florida law.
Effective November 2026.