A public adjuster is a licensed insurance professional who represents you, the policyholder, during a property claim. They document and value the damage, interpret your policy, prepare estimates and inventories, manage communications, and negotiate with the insurance company. Unlike the carrier’s adjuster, a public adjuster works for you.

Most states require public adjusters to hold a specific professional license. Requirements vary but generally include examinations, background checks, continuing education, bonds, and compliance with state insurance laws. Always confirm that anyone representing your claim is properly licensed where the loss occurred.

If you have a major or complex property loss, you need your own experienced representation. Your carrier has adjusters, estimators, vendors, and systems protecting its interests, while you are responsible for proving the complete scope and value of your claim. A public adjuster builds that evidence, challenges missing or undervalued damage, and negotiates on your behalf.

If your carrier has accepted coverage, the immediate challenge is adjusting the claim, not pursuing a legal case. A lawyer may become necessary if coverage is denied or the claim develops into a legal dispute, but legal representation does not replace the work of documenting and valuing the loss. Loti regularly works with attorneys and can provide a referral when appropriate, but those attorneys still rely on licensed adjusters, estimators, and inventory specialists to quantify the claim.

Your team includes a licensed public adjuster who leads the claim, an in house construction estimator who accounts for local costs and building codes, and an inventory specialist who creates a custom personal property list using our extensive database. Additional claim professionals and Loti’s technology support each workstream. Everyone works together as one full time Loti team representing you.

Loti can manage the major workstreams created by a property loss, including dwelling repairs, other structures, personal property, additional living expenses, debris removal, code upgrades, environmental issues, and other applicable coverages. The exact scope depends on your policy, loss, and service agreement. Each workstream is documented, valued, submitted, and negotiated as part of one coordinated claim.

We begin with a consultation and review your policy, damage, carrier correspondence, estimates, payments, and priorities. We then divide the claim into focused workstreams, document and value each loss, prepare building estimates using Xactimate, build inventories using in-house technologies, submit the supporting evidence, and negotiate directly with the carrier. We also review payments and continue managing supplements, replacement cost benefits, and unresolved items through resolution.

You will meet your licensed public adjuster and the specialists assigned to your claim. Loti will notify the carrier that we represent you, request the available claim documents, review upcoming deadlines, and begin collecting the policy, estimates, payments, photographs, receipts, and correspondence already available. We will also schedule any necessary property inspections, measurements, scans, or team meetings.

We will need your knowledge of the home, belongings, expenses, and events surrounding the loss, along with any documents or photographs you have. We try to make this as easy as possible with an entire suite of in house technologies, questionnaires and more. Loti then manages the documentation, valuation, communications, and negotiations, but you remain involved when information or important decisions are needed. Of course you retain control over whether to accept any settlement.

Loti provides licensed public adjusting services in multiple states, and our licensing footprint continues to expand. Availability depends on where the loss occurred and the licenses held by the professionals assigned to your claim. Our current license coverage areas are here:

No, your contractors and other rebuilding professionals are entirely your choice. Loti can help you understand which professionals may be needed, review estimates and scopes, and coordinate claim documentation with your selected team. However, you remain responsible for choosing and contracting with anyone who performs work on your property.

There is no universal average, and no reputable public adjuster should guarantee a specific result. A Florida Legislature study found payments 747 percent higher on certain hurricane claims and 574 percent higher on noncatastrophe claims when public adjusters were involved, although every policy, loss, and outcome is different. Loti focuses on documenting the complete loss and proving what your policy owes rather than promising a predetermined result.

The best time is early, before the carrier defines the scope, values the loss, or establishes the direction of your claim. Early involvement allows us to preserve evidence, review your policy, organize documentation, and prevent avoidable mistakes. You should also contact Loti immediately if you receive a low estimate, inadequate payment, confusing request, or little support with construction, inventory, or living expenses.

Yes. Filing the claim or receiving an initial payment does not necessarily mean the claim is complete. Loti can review what has been submitted, paid, denied, or overlooked and determine whether missing damage, unsupported depreciation, incomplete inventories, or additional benefits should be documented and pursued.

In many situations, Loti can prepare additional documentation and submit a supplement for damage or benefits that were missed or undervalued. Whether a claim can be reopened depends on the policy, applicable deadlines, state law, prior payments, and any settlement or release already signed. We review the claim status before recommending the next step.

A major property claim can still take several months and in some cases years, especially when widespread disasters strain carriers, contractors, materials, and local services. Loti is built to move faster than any other public adjuster, using leading edge technology to organize documentation, develop estimates and inventories, identify gaps, and prepare submissions with exceptional speed and accuracy. We cannot control the carrier, but our full time team and in house systems eliminate traditional bottlenecks and keep every workstream moving toward resolution.

No. Building and negotiating a complete claim can take longer than accepting the carrier’s initial estimate, but Loti uses structured workstreams, full time specialists, and our own in house technology to document the loss accurately, identify gaps, reduce back and forth, and keep each part moving. When we are involved early, complete and accurate submissions can expedite carrier review and prevent avoidable delays. The goal is not simply a fast payment, but the full recovery supported by your policy.

Unless the home is completely destroyed, fire losses rarely involve only visible damage. Smoke, soot, water, heat, structural damage, environmental contamination, debris removal, building code upgrades, demand surge, temporary housing, and personal property create multiple overlapping claim workstreams. Each must be separately documented, valued, and assigned to the correct coverage to avoid missed or underpaid losses.

Yes. We can help identify, document, value, and negotiate payment for damaged or destroyed personal property. Loti pairs your licensed adjuster with an inventory specialist who uses our extensive database to create a custom list, apply depreciation, track ACV and RCV payments, and organize replacement documentation.

Disagreement is a normal part of many major claims. Loti will identify the differences, support our position with estimates, photographs, reports, local pricing, code requirements, and other evidence, and continue negotiating with the carrier. When necessary, the next steps may include supplements, additional inspections, mediation, appraisal, or coordination with an attorney.

Public adjusters typically charge 10 to 15 percent of the final settlement on a contingency basis. This means there are no upfront costs, and Loti does not earn a fee unless we successfully recover additional money for your claim.

We believe our fees are fair by design. Loti was founded by a disaster survivor, and we use best in the industry technology to work more efficiently, keep our own costs down, and deliver greater value to homeowners. Because public adjusters can secure substantially more than the carrier’s initial offer, the fee is generally a fraction of the additional recovery.

An overage fee means we charge a percentage only on the additional money recovered above an agreed baseline, such as the carrier’s payment or written offer when the adjuster was hired. Money received before Loti became involved is not included in the fee calculation when your agreement uses this structure. Keep in mind that we must still rebuild and document the entire claim from dollar zero to establish its full value, identify what was missed, and support the additional recovery. The baseline and percentage will be stated in writing before you sign.

A contingency fee means Loti only gets paid only when money is successfully recovered from the insurance company for your claim. Instead of charging an upfront or hourly fee, Loti receives an agreed percentage of the applicable recovery.

Our compensation is therefore tied directly to the result we produce for you.

Our agreement explains your cancellation rights, including any period provided by state law during which you may cancel without penalty. Rights and obligations after that period depend on the agreement and the laws governing your claim. We are always available to answer questions so you understand your options and feel comfortable moving forward.