File a Damage Claim

File a Damage Claim

If you believe that the Town of Innisfil has failed to maintain our facilities, roads, or sewers, and you have suffered property damage as a result, you can submit a Statement of Damage claim. 

Before making a claim

We suggest that you consult your insurance company or broker before submitting a claim to the Town.

Any claim against the Town needs to first be investigated before we can provide coverage. This investigation takes time, during which your home insurer could already be repairing your damage. If your insurer believes the Town is responsible for your damages, they may seek compensation against the Town on your behalf.

How to file a claim

You can make a property damage claim by submitting a Statement of Damage:

Submit a Statement of Damage

You will be asked to include photos of the damage and loss location, invoices and receipts, or any other relevant documents to support your damage claim. We encourage you to submit your claim to the Town as soon as possible.

Only damage claims that include all supporting documentation will be reviewed.

If your claim relates to the condition of our roads or sidewalks, you must submit your claim within 10 days from the date of the incident. Failing to submit your vehicle damage claim together with supporting documentation within this timeframe may result in your claim not being considered.

Investigation process

After receiving your damage claim, our legal department will investigate and determine liability. Claims typically take 90 days to resolve. In cases of extreme weather events where the Town may receive a higher volume of claims, it may take longer than 90 days.

The investigation involves gathering and reviewing information such as

  • Public Inquiry Case notes 
  • The Town’s maintenance and patrol records 
  • The Town’s installation standards 
  • Environment Canada weather records 
  • Contractors or third parties that may have carried out work at or near the loss location 

If our investigation determines that the Town has not met the applicable standards, we will reach out to you to resolve your claim.

If our investigation determines that the Town has met these standards, your claim will be denied. We will outline the reasons for denial in a letter to you. If you wish to pursue your claim after being denied compensation, you may consult with professional services or obtain legal advice.

All decisions of a claim are final; you may report your damages to your insurance company if you are not completely satisfied with the outcome of the claim.

Please note that the use of profanity, abuse, threats, or bullying may result in the examiner, independent adjuster, or municipal staff assigned to the claim being unable to provide any further contact, support, or consideration of your claim.

Types of claims

Review the types of property damage claims.