Insurance Claims

How to file a claim

If you have suffered a loss for which you believe the Town may be responsible, you can file a claim against the Town. Please follow the process outlined below in order to have your claim considered. In situations involving disrepair of a Town-owned road or sidewalk, you will be required to provide notice to the Town within 10 days of the incident.

Payment of your claim will only be made if the Town has been found legally liable. Liability refers to responsibility or negligence assessed against the Town if the Town has failed to meet the appropriate standard of care which resulted in your loss.

Although the Town recognizes that suffering a loss can be upsetting, it is important to know that the Town is not your insurer. If you have an automobile or property insurance policy, report the incident to your insurance company or broker right away as the policy will protect your interests should you submit a claim to your insurance company. Should your insurance company believe the Town is responsible for the loss, the insurer may seek compensation against the Town on your behalf. 

Submit an online Insurance Claim Form 

Where to send your claim

The Town accepts notices of claims via the online Insurance Claim Form (preferred).

Alternatively, claims can be submitted by email Risk Management, fax or by personally delivering it to Town Hall at the address below:

What happens after a claim is submitted?

Upon receipt of your claim, the Town will acknowledge your claim within three business days. All claims received by the Town are sent to an independent insurance adjusting firm who will conduct an investigation into the facts and circumstances of your incident and determine whether the Town is legally liable for damages. A representative of the adjusting firm will contact you.

Please note that the response time may vary depending upon the complexity of your claim and the availability of information.

Should you have any questions about your claim, please email the Risk & Insurance Advisor at Risk Management.

For claims involving roads that are within the jurisdiction of Halton Region, please dial 311 or 905-825-6000 Toll Free 1-866-442-5866 or visit their website.

For claims involving roads within the jurisdiction of the Ministry of Transportation (MTO), please contact the MTO Risk Management Department at 416-314-5530.

The personal information on this form is collected under the authority of the Municipal Act, 2001, S.O. 2001, c.25 as amended. The information is used for the purpose of processing claims submitted to the Town. Questions regarding the collection of this information should be directed to Risk Management.

Frequently asked questions

1. What should I do if my property has been damaged?

Report the incident to your insurance company. The insurance company will assess the damages and make any necessary arrangements to commence clean-up and repair of damaged property. Make a list of all of the items/areas affected and, if possible, take photographs. Your insurance company should pay for damages and, if applicable, will contact the Town for recovery. If your insurance company does not cover your damages, you can submit a claim to the Town of Halton Hills using the online claim form.

2. Who can I tell about potholes or other road hazards I see?

During business hours (8:30am-4:30pm), call the Town of Halton Hills, Public Works department at 905-873-2600  extension 2603. On nights and weekends, call 905-873-2600 or complete the citizen inquiry form.

3. My vehicle was damaged in a pothole. What should I do?

See a licensed motor vehicle mechanic. Do not continue to drive your vehicle if it is not operating properly. Notify the Town of the exact location so any needed repair work can be done. If you believe the damage will exceed your deductible, contact your insurance agent for assistance.

4. What if I think the vehicle damage is the Town's fault?

If your insurance company pays for your vehicle repairs, it will attempt to recover money from anyone whom they feel was responsible for the damages. Typically, insurers try to recover the amount of the claim that they paid as well as your deductible. If you want to claim directly against the Town, you must complete and submit the online claims form. Based on the findings of its investigation, compensation will be provided if the Town is found to be legally liable for the property damage

5. I have damaged my car on a road that was under construction/has not yet been assumed by the Town. What do I do?

See a licensed motor vehicle mechanic and contact your insurance company as you may have coverage for this type of loss. Using the above claim form, you may submit your claim. If you incurred damages as a result of a construction project, the contractor will have a contract with the Town that contains an indemnity clause that would extend to all claims, loss, costs and damages in connection with this contract by the successful bidder. This means that the contractor must look after the claims against the Town for damage they allegedly caused. To assist in processing your claim, the Town will identify the contractor as well as forward your claim to the contractor on your behalf. If the loss has occurred in a subdivision not yet assumed by the Town where the developer is responsible for the maintenance and upkeep of the area, the Town will identify the developer and forward your claim to the developer on your behalf.