Insurance Claims

Claim Notification Process

If you have incurred costs for which you believe the City may be responsible, you must follow the process outlined below for the City to consider your claim.
In some situations, you are required to place the City on notice within 10 days of the incident. The Municipal Act requires that the City receives notification in writing.
To ensure that your claim meets the notice requirement, please forward your claim to the following address within the 10 day notice period.

City Clerk’s Office

Corporation of the City of Brampton

2 Wellington Street West

Brampton, Ontario

L6Y 4R2
Email: City.ClerksOffice@brampton.ca

Note that payment in respect of property damage or bodily injury will require that the City be found legally liable for the damages that you have incurred.
Claims will be investigated without prejudice, based on the facts as they present themselves and under standard legal practices and principles.
In all cases of damage you should contact your insurance company or broker.
Your insurance policy may provide coverage for your damage and this may be the quickest way to recover costs and have the repairs done.
Your insurance company can then pursue any party they believe to be responsible for the damage.

The City is committed to resolutions that are fair and reasonable. You can expect to be treated with respect and in a professional manner. Although you may not always get the answer you desire, the City will provide the basis for its position and do its best to explain the rationale behind the decisions made regarding claims.

Claim Details

Prepare and submit your notice of claim in writing to the address noted above and ensure that it contains the following information:

Contact name, mailing address, email address and telephone number of the person making the claim;
Contact name, mailing address, email address and telephone number of the person submitting the claim if different from above;
The date and time of the incident and a specific, exact location; * "see note below"
A detailed description of what happened;
Include your signature;
Describe the type of damage or injury sustained;
Include documentation to support your claim such as photos, receipts and/or estimates and property damaged for possible future inspection;
If you reported this accident to the City please provide the name(s) of City staff involved;
The name of any contractor involved (if known).*

Note: Failure to provide an exact location will delay the processing of your claim.

When a third party damages city property

Whenever damage to City property is caused by a third party, the City of Brampton seeks recovery of the related costs from the responsible party (e.g. for damage to property such as street lights, transit shelters, guardrails etc.)

Response Time

Upon receipt of your claim, the Risk and Insurance Section will acknowledge your claim within a one to two week period. An investigation begins immediately upon receipt of your claim and a final response will be sent within 45 to 60 days.

In cases of extreme storm events such as heavy rain, snowstorms or windstorms, a higher volume of claims received by the City may extend the time it takes to process insurance claims. You should be contacting your insurer about your loss. Repairs may be expedited by making a claim through your insurance company.

If you have any further questions about the claims notification process, please call 905-874-2960 or email risk.management@brampton.ca

When claims involve contracted companies

The City of Brampton frequently enters into contracts with independent companies (contractors) who perform work on the City’s behalf. The City’s agreements with the contractors contain a strict requirement that they respond directly to claims for any damage or injury to members of the public that they may be held responsible for.

Upon receipt of information that a contractor had control over the accident location at the time of your loss, your claim will be forwarded to the contractor and you will be advised in writing when this has happened. The contractor should acknowledge receipt of your claim and identify a contact person who will be responsible for investigating your claim.

The contractor will conduct an investigation and make a decision regarding your claim. If the contractor determines that they were responsible for your loss, they will resolve your claim with you directly.

If the contractor determines their work met reasonable and appropriate construction standards, they may deny your claim. In this case, their communication to you will provide the results of their investigation and clearly explain their decision. Should you disagree with the contractor’s decision and you still wish to pursue your claim, you have the option of pursuing the contractor by proceeding with legal action.

To submit a claim, please follow the process outlined under Claim Notification Process.

City compensation for your costs

The City will not be held responsible for your costs unless you can provide evidence that the City committed a negligent act or omission which resulted in injury or damage. The City of Brampton only compensates when it is legally liable for the damage sustained.

We suggest that you contact your own insurer regarding damages. If the insurer believes that the City is responsible for your damage, they will seek compensation on your behalf as stipulated in your insurance policy.

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Claim Notification Process