Loti

At Loti, we specialize in guiding homeowners through the complex and often overwhelming insurance recovery process after a major property loss. Founded by a survivor of the 2019 Kincade Fire, Loti was created in response to a system that hasn’t meaningfully changed in a half century—despite dramatic advances in technology, communication, and how we live. We understand firsthand that this journey isn’t just financial—it’s deeply emotional, personal, and often frustrating.

That’s why we combine decades of adjusting experience with cutting-edge tools to move quickly, communicate clearly, and advocate powerfully on our client's behalf. Every case is approached with compassion, precision, and a deep commitment to your recovery and each claim is tailored to our customer's specific policy, goals, and circumstances.