What Happens After You Sign the Service Agreement?

After your initial consultation, the next step may be signing a service agreement that defines how Loti will support your claim.

Once the agreement is signed, the work becomes more structured. Loti begins turning your claim information into organized workstreams, gathering the documents needed to support each part of the loss, and building a recovery plan based on your property, policy, and situation.

Loti’s program page describes this step as building customized workstreams using expert guidance and smart tools based on the homeowner’s property and situation.

Step 1: Confirming the Engagement

After the service agreement is signed, the Loti team confirms the scope of work and the type of support being provided.

This may include reviewing:

The property involved
The date and type of loss
The current claim status
The insurance carrier and claim number
The services included in your agreement
Communication expectations
Immediate priorities
Known deadlines
Any documents already shared

The agreement helps clarify what Loti will do, what information is needed from you, and how the team will begin supporting your claim.

Step 2: Setting Up Your Claim File

Next, Loti begins organizing your claim file.

This may include gathering:

Insurance policy documents
Carrier communications
Damage photos and videos
Contractor estimates
Repair invoices
Mitigation reports
Personal property lists
Temporary housing records
Receipts and expenses
Inspection reports
Existing claim payments or estimate documents

The goal is to create a structured record of the claim so the team can evaluate what has been documented, what is missing, and what needs to happen next.

Step 3: Building Claim Workstreams

A major part of Loti’s process is breaking the claim into focused workstreams.

Loti’s program page explains that after the initial consultation, the claim is broken into organized pathways that align with both insurance coverage and the homeowner’s specific situation. Each workstream is designed to address a specific area of loss, such as the home, personal property, business operations, or Additional Living Expenses.

Depending on your claim, workstreams may include:

Building loss
Personal property
Loss of Use or Additional Living Expenses
Home replacement
Home business
Business interruption
Specialty property issues
Environmental or testing needs
Debris removal
Code upgrades
Supplemental claim items

Not every claim needs every workstream. The workstreams are customized based on the type of loss, property type, policy structure, and documentation needs.

Step 4: Reviewing the Building Loss

If your home or structure was damaged, Loti may begin reviewing the building loss.

This may include:

Damage photos
Contractor estimates
Insurance carrier estimates
Emergency repair invoices
Mitigation reports
Room-by-room scopes
Measurements
Materials and finishes
Repair or rebuild needs
Code or permit issues
Hidden damage

Loti’s program page describes building loss support as creating fast, accurate, fully documented building loss claims aligned with contractor bids and broken down by coverage. It also references Xactimate and on-site 3D scans as tools used to capture measurements and generate insurance-ready estimates.

Step 5: Reviewing Personal Property

If belongings were damaged, lost, stolen, or destroyed, Loti may start a personal property workflow.

This may include organizing:

Inventories
Photos
Item descriptions
Room locations
Receipts
Replacement research
Values
Depreciation
Proof of ownership
Cleaning or restoration records

The program page describes personal property support as creating organized, fully documented claims with inventories, photos, values, and depreciation, using Loti Suite tools such as AI Vision and The Catalog.

Step 6: Reviewing Loss of Use and Additional Living Expenses

If you cannot live in your home or your living expenses increased because of the loss, Loti may start a Loss of Use workflow.

This may include tracking:

Temporary housing
Hotels
Rental agreements
Meals
Utilities
Laundry
Storage
Transportation
Parking
Pet boarding
Increased household services
Other eligible additional expenses

Loti’s program page describes Loss of Use support as documenting housing, meals, utilities, and related expenses, with tools such as AI Doc Scan and Smart Ledger to organize receipts and submit clean documentation.

Step 7: Reviewing Specialty Programs if Needed

Some claims involve additional or less common workstreams.

Depending on your situation, Loti may evaluate whether your claim involves:

Home replacement
Home business impacts
Business interruption
Rental income issues
Equipment or inventory losses
Multi-family property concerns
Agricultural, winery, retail, warehouse, restaurant, or small business impacts

The program page lists several types of properties and losses Loti can support, including residential, small business, restaurants, retail, warehouses, agricultural properties, ranches, multi-family, auto shops, wineries, and other specialized property types.

Step 8: Pairing Workstreams With Tools and Services

Once the claim is broken into workstreams, Loti pairs each one with the right tools, workflows, and documentation approach.

This may include:

AI document scanning
Photo organization
3D property scans
Estimating tools
Smart Ledger expense tracking
Personal property inventory tools
Receipt organization
Claim-ready PDFs
Spreadsheets
Contractor bid review
Coverage-based organization

Loti’s program page explains that each workstream is paired with tools, services, and guidance to create a personalized program built to move the claim forward.

Step 9: Identifying Missing Information

After the claim file is reviewed, Loti may identify missing or incomplete documentation.

This may include:

Missing policy forms
Missing photos
Incomplete estimates
Missing receipts
Unclear contractor scopes
Missing personal property details
Missing Loss of Use expenses
Unexplained carrier payments
Unanswered coverage questions
Additional inspections needed
Expert reports needed

You may be asked to provide additional records, answer questions, or help reconstruct parts of the claim timeline.

Step 10: Preparing the Claim Strategy

Once the claim is organized, Loti begins shaping the plan for what happens next.

This may include:

Reviewing what has already been paid
Comparing carrier estimates with contractor estimates
Organizing open items
Preparing documentation for submission
Requesting additional inspections
Preparing supplemental information
Clarifying coverage issues
Structuring personal property or Loss of Use submissions
Prioritizing urgent repair or payment needs

The goal is to move from a scattered claim to an organized, actionable plan.

Step 11: Communication and Follow-Up

Depending on your service agreement, Loti may assist with communication and follow-up involving your insurance carrier and claim participants.

This may include:

Submitting documentation
Responding to carrier questions
Tracking open requests
Reviewing estimate revisions
Reviewing payments
Preparing supplemental claim materials
Coordinating with contractors or specialists
Keeping the claim organized as new information comes in

The exact communication process depends on your claim, policy, service agreement, and current claim status.

What You Can Do After Signing

You can help the process move more smoothly by:

Sharing documents promptly
Sending clear photos and videos
Keeping receipts and invoices
Saving all carrier communications
Telling Loti about new inspections or payments
Sharing contractor updates
Keeping damaged items until documented, when safe
Asking questions when something is unclear
Keeping records of temporary housing and extra expenses

The more complete the documentation, the easier it is to build a well-supported claim.

Common Questions

Does signing the agreement mean Loti starts immediately?

Once the agreement is completed and required information is received, Loti can begin setting up the claim file, reviewing materials, and organizing the workstreams included in your service scope.

Will every claim have the same workstreams?

No. Workstreams are customized based on the loss, property, policy, and documentation needs.

What if I already submitted documents to my insurance company?

Share those documents with Loti too. It is important to understand what has already been submitted and how the carrier responded.

What if I already received a payment?

Loti can review the payment, estimate, and supporting documents to understand what was paid, what may still be open, and whether additional documentation may be needed.

How long does the process take?

Timelines vary based on claim complexity, documentation, inspections, carrier review, repairs, and open coverage questions. Loti helps organize and move the process forward, but carrier timelines and claim decisions can vary.