Every successful claim begins with listening. In a personalized 30 minute consultation, a licensed public adjuster learns about your loss, coverage concerns, and the records you have already gathered.

Whether you are navigating a large disaster or a single room event, the conversation helps us understand the damage and your goals. By the end of the call, you will understand the next steps and how Loti can support your recovery.

Personalized Consultation.

Once we understand your needs, we organize your claim into focused workstreams tied to your policy and the type of loss you experienced. These may include dwelling repairs, personal property, additional living expenses, home business losses, and other parts of the claim.

Each workstream has its own documentation, evidence, and tasks, allowing us to manage the claim in organized sections rather than as one large submission. The approach is tailored to your property and policy, whether the loss involves a home, multi unit property, small business, or even a winery.

Structured Workstreams.

Accurate documentation and consistent communication are essential to a successful claim. Where available, Loti uses 3D LiDAR scans to capture measurements and layouts of partially damaged homes, along with purpose built AI tools that organize records and identify missing information.

We also work within industry standard estimating and documentation frameworks, including Xactimate, so submissions align with how insurers evaluate claims. The result is more complete scopes, stronger documentation, and fewer avoidable disputes.

Technology-Powered. 

Once everything is documented and ready, your licensed public adjuster takes the lead with your insurance company. We submit required documentation, track deadlines, manage follow ups, and keep the claim moving so important details are not missed.

Our role is to make sure your claim reflects the full scope of the loss. While we manage the claim process, you can focus on your recovery.

Fully Licensed Pros.

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.