STEP 04 - WORKING WITH YOUR INSURANCE
Licensed Experts.
Trusted Results.
Fully licensed public adjusters—trained, bonded, and authorized to adjust and negotiate insurance claims on your behalf.
services
Once you retain Loti, our licensed public insurance adjusters take full control of your claim. Authorized, bonded, and state-licensed, they represent you directly in negotiations, manage all communication with the insurance company, submit detailed and defensible estimates, respond to carrier inquiries, and challenge undervalued, delayed, or incomplete offers.
This is not administrative support. It is a disciplined negotiation led by professionals who know the insurance system from the inside, including firsthand experience working on the carrier side. That insight allows us to anticipate objections, identify leverage points, and address issues before they cost you time or money.
Your Loti adjuster understands policy language, coverage application, and loss valuation at a granular level. We do not rush settlements or accept shortcuts. We press for a full and fair recovery so you can move forward from your loss with strength, certainty, and results.
Licensed to Adjust. Trusted to Deliver.
WE ARE LICENSED PUBLIC ADJUSTERS
To become a licensed public adjuster, each candidate must complete a minimum of 1,000 hours of supervised, hands-on training under the guidance of seasoned professionals.
This apprenticeship ensures they gain real-world experience in claims handling, policy interpretation, client communication, and the step-by-step processes of both residential and commercial loss recovery.
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1,000 Hours
1,000 Hours
Extensive training, licensing and experience.
Loti'S training program
The Loti Apprentice Program is Loti’s in-house path to becoming a fully licensed public adjuster - designed to ensure every one of our public adjusters is not only highly trained but deeply aligned with our values of clarity, care, and results. Before earning their license and thus being able to adjust claims, team members begin as state licensed public adjuster apprentices, gaining hands-on experience while supporting homeowners and learning the complexities of claims, policies, and recovery.
After completing their training, candidates must pass a state-mandated licensing exam, which tests their knowledge of insurance law, ethics, coverage interpretation, and best practices in claim handling.
This ensures that only qualified individuals who meet strict professional and ethical standards are granted a public adjuster license.
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State Exam
State Mandated Exam
Public insurance adjusters must be licensed and bonded in every state where they operate, providing legal authority to represent policyholders and financial protection for the clients they serve.
These licenses are renewed every two years, ensuring Loti stays compliant with evolving state regulations and maintain an active, accountable presence in the industry.
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Licensed & Bonded
Licensed & Bonded
In addition, all Loti public adjusters must comply with Title 18 U.S. Code 1033, a federal regulation that prohibits individuals with certain criminal backgrounds from working in the insurance industry. This ensures that every Loti adjuster meets the highest ethical and legal standards—reinforcing trust, accountability, and professionalism in every claim they handle.
In addition, all RallyPros must comply with Title 18 U.S. Code 1033, a federal regulation that prohibits individuals with certain criminal backgrounds from working in the insurance industry.
This ensures that every RallyPro meets the highest ethical and legal standards—reinforcing trust, accountability, and professionalism in every claim they handle.
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Title 18
Title 18
At Loti, every public insurance adjuster meets or exceeds these standards. They are licensed, highly trained professionals committed to doing what’s right for homeowners. When you work with Loti, you get more than a claims expert, you get a dedicated advocate guiding your recovery from start to finish.
The Bottom Line.
We’re proud to be a Platinum Sponsor of United Policyholders, a national 501(c)(3) nonprofit dedicated to helping homeowners navigate insurance claims and recover after disasters.
Our sponsorship supports United Policyholders’ mission of providing unbiased guidance and advocating for fair insurance practices, reflecting our commitment to standing with homeowners beyond the claims process.
United Policyholders
PLATINUM SPONSOR
We’re proud to be accredited by the Better Business Bureau, reflecting our commitment to transparency, integrity, and high standards of service. At Loti, trust is earned, and our BBB accreditation is one of the ways we stand behind the work we do for homeowners every day.
Better Business Bureau
Proud member
We’re proud to be licensed as Public Adjusters in the following states—each with its own unique rules, regulations, and recovery challenges. Our multi-state licensing reflects our commitment to helping policyholders across the country navigate complex insurance claims with clarity, expertise, and confidence. Whether your loss occurred at home, at your vacation property, or at your place of business, we bring deep regional experience, trusted relationships, and a proven track record to every file we handle.
License Info By State
Public adjuster licenses
License 894765
License 6015209
License 3003650080
Arizona
The Grand Canyon State
California
The Golden State
Colorado
The Centennial State
License 4111978
License 3003890928
Various Licenses
Hawaii
The Aloha State
Idaho
The Gem State
Nevada
The Silver State
License 3003663335
Oregon
The Beaver State
Utah
The Beehive State
License 1084276
License 1308822
Washington
The Evergreen State
Loti is proud to be a member of the National Association of Public Insurance Adjusters, the leading professional organization for public adjusters in the United States. Our membership reflects a commitment to high ethical standards, ongoing education, and strong homeowner advocacy, ensuring our team operates with integrity, expertise, and a clear focus on delivering the best possible outcomes.
National Association of Public Insurance Adjusters
Proud Member
Loti is proud to be a member of 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, helping ensure we remain informed, accountable, and focused on delivering the highest standard of service for the homeowners we represent.
Public Adjuster Associations
Proud Member
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.
A Quick Note About Public Adjusters.
PUBLIC ADJUSTERS WORK FOR YOU
Licensed, ethical, and committed to a higher standard of representation.
