We will organize, manage and negotiate your claim ensuring a faster recovery for you and your family.
HASSLE FREE EXPERIENCE
Public Adjuster
CA License#
6015209
Best In Class
Public Adjusters
At Loti, we specialize in guiding homeowners through the complex and often overwhelming insurance recovery process after a major property loss. Founded by a survivor of the 2019 Kincade Fire, Loti was created in response to a system that hasn’t meaningfully changed in a half century—despite dramatic advances in technology, communication, and how we live. We understand firsthand that this journey isn’t just financial—it’s deeply emotional, personal, and often frustrating.
That’s why we combine decades of adjusting experience with cutting-edge tools to move quickly, communicate clearly, and advocate powerfully on your behalf. Every case is approached with compassion, precision, and a deep commitment to your recovery and each claim is tailored to your specific policy, goals, and circumstances. We promise a 6-Star, hassle-free experience.
Why Loti
Insurance companies handle thousands of claims—they're running a business. Typically, you’ll get early advances and friendly voices trained in customer service. Then comes the real moment: a rebuilding estimate that falls short, or confusing questions about your contents list.
A licensed public adjuster levels the playing field by managing your claim and negotiating on your behalf. Industry rates typically range from 10–20% of the claim (note: these are not Loti’s rates), and in many cases, it's a smart investment in getting a full recovery. And like any profession, there are good and bad adjusters. At Loti, we’re raising the bar with experienced professionals, purpose-built tools, and a process centered on trust, speed, and results.
Why A Public Adjuster
Before anything else, we help you help yourself. What began as a nonprofit effort for fellow fire survivors has grown into a powerful, FREE resource and the largest library of recovery info on the planet: the Loti Learning Hub.
Inside, you'll find letters, primers, 1000s of glossary terms and 100s of easy-to-follow articles we call Rallybacks—all designed to help you understand your situation, take action, and feel confident moving forward.
1
Learning Hub
Start with Our Learning Hub
We have an easy, streamlined approach to every project
how it works
If you’re still frustrated, overwhelmed or simply just can’t take the endless calls anymore, reach out to our team. We’ll start by listening—really understanding your situation, your policy, and your goals. Then we’ll outline clear next steps across our programs and resources, and tailor a contract with defined deliverables and expectations.
No fluff. Just a smart, focused plan to move forward.
2
Our Adjusters
Talk To Our Adjusters
Once we’re aligned, we organize your claim into focused workstreams, each with its own strategy, documents, and technologies. Whether you're dealing with fire, smoke, water damage, or theft—and whether you're navigating housing, rebuilding, or replacement—we move fast and with purpose. Some examples:
Home Rebuilds & Repairs
Personal Property Inventory
Business & Commercial
Once we’re aligned, we organize your claim into focused workstreams, each with its own strategy, documents, and technologies. Whether you're dealing with fire, smoke, water damage, or theft—and whether you're navigating housing, rebuilding, or replacement—we move fast and with purpose.
Home Rebuilds Personal Property Inventory
Loss of Use / ALE Repairs & Partial Damage
Home Replacement Business & Commercial
3
Workstreams
We Create Workstreams
With organized documents, smart tools, and evidence-backed claims, we negotiate directly with your insurance company. Everything we submit is built to move smoothly through internal review—clean, clickable, and easy to circulate among adjusters and management.
Our goal is simple: close your claim swiftly and with confidence so you can get back on your feet.
With organized documents, smart tools, and evidence-backed claims, we negotiate directly with your insurance company. Everything we submit is built to move smoothly through internal review—clean, clickable, and easy to circulate among adjusters and management. That means fewer delays, fewer roadblocks, and a clearer path to resolution.
Our goal is simple: close your claim swiftly and with confidence so you can get back on your feet.
4
Negotiations
We Negotiate On Your Behalf
We’re proud to be accredited members of the Better Business Bureau, a reflection of our commitment to transparency, integrity, and exceptional service. At Loti, we believe trust is earned—and our BBB membership is one more way we stand behind the work we do for homeowners every day.
Better Business Bureau
Proud member
Loti is proud to be a member of both the Pacific Coast Association of Public Insurance Adjusters and the American Adjuster Association. These affiliations reflect our commitment to industry best practices, ongoing education, and ethical representation. By staying connected to the leading voices in public adjusting, we ensure our team remains informed, accountable, and always focused on delivering the highest standard of service to the homeowners we represent.
Public Adjuster Associations
Proud Member
Every Covered Loss.
Every Incident.
Learn More
Explore dozens of accidents, disasters, perils and more - we call them collectively 'Incidents' - and how we handle each one.
Building Loss Claims
We deliver fast, accurate, and fully documented building loss claims—aligned with real contractor bids and broken down by coverage to drive a fair, timely settlement.
OUR PROGRAMS
Personal Property
We create organized, fully documented personal property claims—complete with inventories, photos, values, and depreciation—to support maximum recovery under your policy.
Loss of Use Claims
We document and submit all eligible Loss of Use expenses—housing, meals, utilities, and more—to ensure you’re reimbursed fully and on time.
Home Replacement
Our Home Replacement Program helps you evaluate rebuilding versus buying, then supports your decision with cost analyses, insurance alignment, and end-to-end guidance.
Home Business
We organize and pursue Home Business claims—including lost income, inventory, equipment, utilities, and workspace—to ensure your operations are properly valued and reimbursed.
Business Interruption
We document and support Business Interruption claims by analyzing lost income, extra expenses, and operational impacts to secure the coverage you’re entitled to.
Complex claims with units, common areas, and losses documented.
CONDO COMPLEXES
Mechanic and auto shop claims handled — equipment, tools and inventory.
AUTO SHOPS
Covering structures, equipment, inventory, crops, and business interruption.
WINERIES
Expert help managing homes, amenities, and shared property losses.
GOLF CLUBS
Specialized support for multi-family claims—property, tenants, and losses.
MULTI-FAMILY
Expert help organizing, documenting, and negotiating your full insurance claim.
RESIDENTIAL
Our services include
Manufacturing claims supported—machinery, inventory, and production losses.
MANUFACTURING
Gym claims - equipment, facilities, and business losses expertly documented.
HEALTH CLUBS
Places of worship —buildings, contents, and community spaces carefully documented.
WORSHIP
Managing inventory, equipment, and structural losses for full recovery.
WAREHOUSES
Structures, crops, equipment, and losses thoroughly documented and managed.
AGRICULTURAL
Covering homes, barns, equipment, livestock, and fencing documented accurately.
RANCHES
Property, inventory, and income losses clearly documented and pursued.
SMALL BUSINESS
Property, equipment, food loss, and business interruption documented precisely.
RESTAURANTS
Storefronts, inventory, equipment, and lost income expertly handled.
RETAIL
Loti’s Recovery Roadmap provides a clear, step-by-step guide to navigate the often overwhelming process of rebuilding after a disaster. From securing temporary housing and filing insurance claims to managing contractors and avoiding scams, it empowers homeowners with actionable advice at every stage.
This is an example of one of our dozens of free Docs ready for download. Click here to see more:
At-A-Glance Recovery Roadmap
GET STARTED HERE
