At On Time Insurance Brokerage Inc., we are committed to providing you with outstanding claim service. It is our hope that you have a safe and accident-free year. However, if you have a loss involving yourself, your home, auto or business, we are here for you and are committed to handling your claim quickly and efficiently.

If you suffer a loss, the first thing to do is to notify your insurance company and us. You should do this by telephone, although it is a good idea to follow up with a written notification. It is also important to notify your insurance company promptly after any incident takes place that might result in a claim at some later date, even though no claim was made at the time the event occurred. For example, if a guest falls on your property, it should be reported to the insurance company even though you don’t know whether any claim is actually going to be made against you. Your failure to notify the company promptly might allow it to deny coverage in the event a claim is filed against you at a later date.

The company has the right to inspect the property in its damaged state, and can refuse to pay you for any damage that is repaired before inspection. An adjuster will be sent from your insurance company to examine the damage and give you an estimate of the cost of repairs or replacement.In the event you are unfortunate enough to experience a major loss such as a fire or severe windstorm which has badly damaged or destroyed your home we may suggest to hire a licensed public adjuster to act on your behalf with your insurance company.