Personalized Consultation

Every successful claim starts with listening. That’s why the RallyPro process begins with a personalized 30-minute consultation to understand your situation, your policy, and the details of your loss.

During this session, your RallyPro will ask key questions about the damage, your coverage, and what you’ve already gathered. By the end, you’ll have a clear next step—and a professional in your corner.

Every successful claim begins with listening. The Loti process starts with a personalized 30-minute consultation where we take the time to understand you, your situation, and the specifics of your loss.

Whether you’re navigating a large-scale disaster or a single-room event, this conversation gives us the context needed to build a plan around your goals and your policy, not generic advice. During the session, a licensed public adjuster will ask thoughtful questions about the damage, any coverage concerns, and what you’ve already gathered such as photos, estimates, or receipts. By the end of the call, you’ll have a clearer sense of next steps and a professional working on your behalf from the start.

Once we understand your needs, we break your claim into structured workstreams—each tied to your policy and type of loss, such as dwelling repairs, personal property, ALE, or business impacts.

By segmenting one large, complex claim into smaller, focused paths with their own documents, evidence, and tasks, we bring clarity and control to the process—tailored to your property and coverage.

Once we’re aligned on your needs, we break your claim into structured workstreams, each tied to a specific part of your policy and the type of loss you’ve experienced. Depending on the situation, these may include dwelling repairs, personal property, additional living expenses, or home business losses.

Instead of managing one large, disorganized submission, we segment the work into clearly defined paths, each with its own documentation, evidence, and tasks. Every workstream is tailored to your property type and policy structure, whether the loss involves a single-family home, a multi-unit property, or a small business or winery.

Each workstream is designed to integrate seamlessly with the modern tools and systems that power how we document, manage, and submit your claim.

Structured Workstreams.

With your workstreams in place, we bring in the Loti Suite—a set of tools that speeds up and strengthens the claims process.

3D LiDAR scans capture precise measurements, AI Vision builds itemized inventories from room photos, and AI Doc Scan organizes receipts, invoices, and reports into clean, searchable files. The Smart Ledger tracks payments and expenses, and everything is stored in your secure digital account—giving you visibility, organization, and confidence at every step.

Accurate documentation and clear communication are critical to a successful claim. Loti uses modern tools to capture, organize, and present information in ways that are precise, defensible, and aligned with how insurance claims are evaluated.

Where available, we use 3D LiDAR scans to capture accurate measurements and layouts of partially damaged homes. We also leverage in-house, purpose-built AI tools to organize documentation, identify gaps, and maintain consistency across claim components.

To ensure submissions speak the same language as insurers, we work within industry-standard estimating and documentation frameworks, including Xactimate. The result is clearer scopes, fewer disputes, and smoother claim progress.

Technology-Powered. 

Once your claim is fully documented, your RallyPro takes over—coordinating with your insurer, submitting everything on your behalf, and keeping deadlines on track. We maintain clear communication throughout, ensuring your claim reflects the full extent of your loss and moves forward smoothly.

With a RallyPro managing the details, you can stop chasing paperwork and focus on what matters most: getting back on your feet.

Once everything is documented and ready, your licensed public adjuster takes the lead. We coordinate directly with the insurance company, submit required documentation, track deadlines, and manage follow-ups so nothing is missed or delayed.

Our role is to ensure your claim reflects the full scope of your loss and is reviewed accurately and efficiently. You won’t need to chase paperwork, wait on hold, or wonder what happens next. With a licensed professional handling the details, you can focus on recovery while we handle the process.

Fully Licensed Pros.

Even after your claim is closed, our support continues.

You'll receive an annual Policy Health Check to ensure your coverage still fits your life, plus seasonal RallyBacks with maintenance tips, safety upgrades, and home-hardening guidance to help prevent future claims. With Loti, you're protected long after the recovery is over.

Even after a claim is closed, our support continues. Each year, you’ll receive a Policy Health Check to review your coverage against life changes such as a remodel, major purchase, home-based business, or other updates, helping reduce the risk of being underinsured before issues arise.

Between check-ins, we share curated RallyBacks with practical, easy-to-follow guidance on home maintenance, risk reduction, and claim prevention. From seasonal upkeep to smart safety upgrades, we help you protect what you’ve rebuilt and stay prepared long after the immediate recovery is over.

Ongoing Support Post Claim.