What to Expect During Your Initial Consultation

Every Loti engagement starts with a conversation.

Insurance claims can feel overwhelming at any stage. You may be dealing with unclear coverage, partial payments, confusing estimates, unanswered questions, or uncertainty about what to do next. The initial consultation is designed to help you explain your situation, ask questions, and understand your options.

Loti describes this first step as a free 30-minute consultation with a licensed public adjuster to understand your situation, review what happened against your policy and available coverages, and help identify next steps.

Who the Consultation Is For

You do not need to be at a specific point in your claim to speak with Loti.

The consultation may be helpful if you are:

Just starting a claim
Deciding whether to file a claim
Waiting for an insurance inspection
Reviewing an insurance estimate
Unsure whether your settlement is complete
Midway through repairs
Dealing with delays or confusion
Trying to understand a denial, partial payment, or coverage question
Feeling stuck and unsure what to do next

Loti’s consultation page explains that the conversation can meet homeowners where they are, whether they are on day one, months into a claim, or at a point where something no longer feels right.

What We’ll Talk About

During the consultation, the Loti team will ask questions to understand the situation and the status of your claim.

Topics may include:

What happened
When the damage occurred
What parts of the home or property were affected
Whether anyone has inspected the damage
Whether emergency repairs or mitigation have started
Whether you have filed a claim
What your insurance company has said so far
Whether you have received an estimate, payment, denial, or reservation of rights letter
Whether you have temporary housing, personal property, or repair concerns
What questions feel most urgent to you

The goal is to understand the facts, clarify the claim status, and identify the next practical steps.

Policy and Coverage Review

A key part of the initial consultation is understanding how the loss may connect to your insurance policy.

The Loti team may discuss:

Your policy type
Coverage limits
Deductibles
Dwelling coverage
Personal property coverage
Loss of Use or Additional Living Expense coverage
Other structures
Endorsements
Exclusions
Open coverage questions
What documentation may be needed

Loti’s consultation page explains that the team walks through what happened and compares it to your policy and available coverages to help clarify what may apply, what may be missing, and where questions or gaps often arise.

Mapping the Claim Into Key Areas

Claims are easier to understand when they are broken into smaller parts.

During the call, Loti may help identify which parts of the claim need attention, such as:

Building damage
Personal property
Temporary housing
Additional Living Expenses
Debris removal
Emergency repairs
Contractor estimates
Code upgrades
Environmental testing
Business or rental impacts, if relevant

The consultation page notes that Loti may break the loss into relevant parts, such as dwelling, personal property, or Loss of Use, to make a complex situation easier to understand and evaluate.

Questions You Can Ask

The consultation is also your chance to ask questions.

Common questions include:

Is my claim being handled correctly?
What documents should I gather?
What does this insurance estimate mean?
Why did my insurance company pay less than expected?
What if my contractor’s estimate is higher than the carrier’s estimate?
What if I already received a payment?
What if my claim was denied?
What if I found additional damage?
What should I do before repairs begin?
How can Loti help from here?

Loti’s consultation page emphasizes that homeowners have space to ask questions and receive straightforward answers, along with high-level next steps they may be able to take on their own.

What to Have Ready Before the Call

You do not need to have everything perfectly organized before the consultation. However, it helps to gather whatever you already have.

Helpful materials may include:

Insurance policy or declarations page
Claim number
Carrier contact information
Photos or videos of the damage
Insurance estimate
Contractor estimate
Mitigation invoice or report
Repair invoices
Carrier letters or emails
Payment summaries
Denial or reservation of rights letters
Personal property lists
Temporary housing or expense records
Notes about your biggest questions

If you do not have all of these, that is okay. The consultation can also help you understand what to collect next.

What You’ll Leave With

By the end of the consultation, the goal is for you to have a clearer understanding of:

Where your claim stands
What your main issues or gaps may be
What documentation may be needed
What coverages may be relevant
What questions to ask your insurance carrier
What next steps may make sense
Whether Loti’s services may be a good fit

The call is designed to help you move from confusion to a more organized plan.

What the Consultation Does Not Do

The consultation is helpful, but it is not the same as completing the full claim process.

During the consultation, Loti may be able to provide general guidance, identify issues, and discuss options. However, a full claim review, documentation buildout, estimate analysis, negotiation strategy, or carrier communication may require a formal engagement and service agreement.

The insurance carrier remains responsible for making claim and coverage decisions based on the policy, facts of the loss, and documentation submitted.

Common Questions

Is the consultation free?

Loti’s consultation page describes the initial call as a free 30-minute consultation.

Do I need to have filed a claim already?

No. The consultation may be helpful before filing, after filing, midway through the claim, or when you feel stuck.

Will Loti tell me if I have coverage?

Loti can help review the situation and discuss relevant policy areas, but your insurance carrier makes formal coverage decisions.

Should I send documents before the call?

If available, sending key documents can make the consultation more productive. Useful documents include your policy, claim estimate, photos, carrier letters, contractor estimates, and payment summaries.

What happens after the consultation?

If Loti’s services are a good fit, the team may explain the available programs, service structure, and next steps for working together.