Our licensed public adjusters simplify the complex claim process with trusted expertise, modern tools, and ongoing support. This is what a truly hassle free claim experience looks like.
A 6 Star, Hassle-Free Experience.
YOUR DISASTER PLAYBOOK
Call us toll-free
888-488-LOTI
A major insurance claim can become a full time job at the exact moment your family needs you most. Loti can organize the details, manage the insurance process, and advocate for your recovery while you focus on moving forward. Explore our services to learn how our licensed public adjusters, modern tools, and structured approach can support you from the first consultation through the final stages of your claim.
Everyday Life
Looks Different Now
You Do Not Have to Do This Alone.
For immediate assistance you can call us at 888-488-5864 or
check out support.
CONTACT US DIRECTLY
Or feel free to use our online calendar and book some time with one of our licensed adjusters in your area.
IS PROFESSIONAL HELP FOR YOU?
Our licensed public adjusters bring deep training, real world experience, and one clear goal: delivering an exceptional claim experience from start to finish. We organize, manage, document, and negotiate your claim on your behalf, working to secure the payments available under your policy.
6 Stars and Hassle Free.
Loti was founded by a fully recovered survivor of the 2019 Kincade Fire. Our team has been through this process personally and professionally, helping homeowners navigate difficult documentation, unfamiliar decisions, and the long road toward recovery with experience, realism, and empathy.
We Understand.
Every engagement starts with a personalized consultation to understand your situation, policy, progress, and priorities. From there, we create structured workstreams and use modern tools, including 3D LiDAR scans and purpose built AI systems, to organize the claim, coordinate submissions, and advocate on your behalf.
We Have a Modern Plan.
Recovery does not happen all at once. We remain involved as the claim, temporary living situation, inventory, and rebuilding process evolve, helping you manage new documentation, decisions, deadlines, and insurance submissions along the way.
We Stay With You.
Talk with one of our licensed public adjusters about your loss, your policy, and where you need support. If we work together, our fee is based on a percentage of the claim, so we get paid when you get paid.
A Free Consultation.
We’re proud to announce that we are a Platinum Sponsor of United Policyholders (UP) — a national 501(c)(3) nonprofit dedicated to helping homeowners and policyholders navigate insurance claims and recover from disasters.
As a Platinum Sponsor, we help support UP’s mission of providing unbiased guidance, consumer‑friendly tools, and advocacy for fair insurance practices. Our sponsorship reflects our commitment to being more than just a service provider — we’re aligning ourselves with credible organizations that protect policyholder rights.
United Policyholders
PLATINUM SPONSOR
NAPIA
PROUD MEMBERS
We’re members of NAPIA, the National Association of Public Insurance Adjusters, reflecting our commitment to ethical, expert advocacy on behalf of policyholders.
BBB
We’re proud to be accredited by the Better Business Bureau (BBB), a reflection of our commitment to transparency, trust, and exceptional service in everything we do.
PCAPIA
We’re also members of PCAPIA—the Pacific Coast Association of Public Insurance Adjusters—demonstrating our commitment to professional standards, ongoing education, and responsible policyholder advocacy in the western U.S. region.
AAA
