What is a Public Adjuster?
A Public Adjuster is a licensed professional who works on behalf of homeowners to manage and negotiate insurance claims. Unlike insurance company adjusters, who represent the insurer, we advocate for you to ensure you receive the maximum settlement for your claim.
What does Loti’s Public Adjuster Services do?
Our Public Adjuster Services offer expert assistance throughout the claims process, including:
Evaluating the scope of damage to your property.
Gathering and organizing all necessary documentation, such as photos, receipts, and estimates.
Preparing and submitting a professional claim to your insurance carrier.
Negotiating with your insurance company to secure a fair settlement.
Guiding you through the rebuild process once the claim is approved.
Why should I use a Public Adjuster?
Filing an insurance claim can be complex, time-consuming, and stressful. Insurance carriers often prioritize their bottom line, and without professional assistance, you might not receive the full compensation you’re entitled to. A Public Adjuster ensures your claim is well-documented, accurately valued, and professionally negotiated.
How are Loti’s Public Adjuster Services different?
At Loti, we combine decades of experience in insurance adjusting with an enormous library of content and a deep understanding of technology. Beyond handling your claim, we provide resources, tools, and personalized support to help you rebuild and move forward faster.
What types of claims can Loti assist with?
We specialize in a variety of residential claims, including:
Fire and smoke damage
Water and flood damage
Wind and storm damage
Theft and vandalism
Other property-related incidents
How much does it cost to use your Public Adjuster program?
Our fees are typically based on a percentage of the settlement we secure for you, ensuring our interests align with yours. We’re only paid once you receive your claim payout. Contact us for more details on our fee structure.
How do I get started?
Getting started is simple:
Contact us to schedule a free consultation.
Share details about your claim and property damage.
We’ll evaluate your case and outline the next steps to maximize your settlement.
Can I still use Loti’s services if I’ve already started my claim?
Yes! Whether you’re at the beginning or midway through the claims process, we can step in to help ensure your documentation is complete, your damages are fully assessed, and your claim is negotiated effectively. That said, it is important to ask questions sooner rather than later because we may have to reorganize your claim and recalibrate your expectations. There might be a significant amount of variables to take into account so engaging sooner is helpful for everyone involved.
How long does the process take?
The timeline varies depending on the complexity of your claim and your insurance carrier’s processes. Our goal is to resolve your claim as quickly as possible while ensuring a fair settlement.
How do I know if I need a Public Adjuster?
If you feel overwhelmed by the claims process, unsure about your settlement offer, or want professional support to maximize your payout, a Public Adjuster is a valuable resource.
Still have questions?
We’re here to help! Contact us at the links at the bottom of the page for more details about our Public Adjuster services and how we can assist you.