Skip to Content
City of Brampton Logo

City of Brampton

City of Brampton Global Site Navigation

  • Residents
    • Animals and Pets
      • Adopt a Pet
      • Animal Services Home
      • Licensing and Registration
    • Brampton Transit
      • Brampton Transit Home
      • Fares
      • Lost and Found
      • Plan your Trip
      • Schedules and Maps
      • Service Alerts
    • Community Resources
      • Brampton Library
      • Community Safety & Well-Being
      • Court and Administrative Services
      • Peel Regional Police
      • Region of Peel
    • Emergency Services
      • Emergency Management
      • Fire and Emergency Services
    • Green Brampton
      • Grow Green
      • Park Directory
      • Park Planning and Development
      • Parks and Open Spaces
      • Trees and Forests
    • Home and Property
      • Applications and Permits
      • Building Permits
      • By-Law enforcement
      • New Subdivisions
      • Planning and Development
      • Property Taxes
      • Storm Water
    • Recreation
      • Community Centres
      • Facility Rentals
      • Program Registration
      • Recreation Construction Projects
      • Recreation Home
      • Virtual Recreation
    • Roads
      • Parking
      • Roads and Traffic
      • Snow Removal
  • Business
    • Building, Planning and Development
      • Applications and Permits
      • Building Permits
      • Engineering and Construction
      • Fees and Development Charges
      • Heritage
      • Planning and Development
      • Projects and Studies
      • Zoning
    • Doing Business with the City
      • About Purchasing
      • Bid Opportunities
      • Construction
      • Supply Chain Diversity Program
      • Understanding Procurement
      • Vendor Information Sessions
      • Vendor Management
      • Vendor Registration
    • Economic Development
      • Business Directory
      • Support Local
      • Visit InvestBrampton
    • Insurance and Licensing Services
      • Insurance
      • Licensing
    • Related Links
      • Brampton Board of Trade
      • Downtown Brampton BIA
    • Sponsorship
      • Advertising
      • Naming Rights
      • Sponsorship Home
    • Starting a Business
      • BizPal (Business Permit and Licence Information)
      • Brampton Entrepreneur Centre
      • Taxes
  • Arts, Culture, Tourism
    • Culture
      • Culture Services Home
      • Arts Walk of Fame
      • Grants and Funding
      • Performing Arts
      • Public Art
      • Brampton Arts Organization
    • Festivals and Events
      • Festivals and Events Office
      • Events Calendar
      • Participate in an Event
      • Planning an Event
    • Tourism Brampton
      • Brampton Markets
      • Experience Brampton
      • Filming in Brampton
      • Meetings and Conventions
      • Sport Tourism
      • Tourism Strategy
    • Venues
      • Cyril Clark
      • Garden Square
      • LBP
      • The Alderlea
      • The Rose
  • City Hall
    • Accessibility
      • Accessibility Home
      • Service Disruption Notices
    • Brampton Plan
      • Brampton 2040 Vision
      • Brampton Plan - Official Plan Review
      • Brampton Parking Plan
      • Downtown Brampton
      • Heritage Heights
      • Housing Brampton
      • Uptown Transit Orientated Community
    • Budget and Finances
      • Annual Report
      • Budget
      • Corporate Asset Management
      • Fees and Development Charges
      • Long Term Financial Master Plan
      • Taxes
    • By-laws
      • By-law Enforcement
      • Frequently Requested
      • Archives
    • City Council
      • Members of Council
      • Council and Committees
      • Council Handbook
      • City Council and Committee Live Stream
      • Meetings and Agendas
      • Protocol Office
      • Term of Council Priorities
    • Corporate Initiatives
      • Brampton Awards and Recognition Programs
      • City Dashboard
      • Engage and Have your Say
      • Equity Office
      • Grants and Funding
      • Open Data
    • Election
      • Municipal Election
    • Employment
      • Leadership Opportunities
      • Volunteer Opportunities
      • Working at the City
      • Working at Brampton Library
    • News and Notices
      • Awards Won by the City
      • City Matters Newsletter
      • Media Releases
      • Public Meetings and Notices
      • News Home
    • Resources
      • 211 Central
      • Accountability and Transparency
      • Access and Privacy
      • City Departments
      • Government Relations
      • Lobbyist and Gift Registries
      • Policy Library
  • Online Services
    • Apply or Register
      • Basement Apartments
      • Building Permit Application
      • On-Street Parking
      • Portable Sign Permit
      • Recreation Financial Assistance
      • Recreation Registration
      • Rent a City Facility
      • Stationary Business Licensing
    • Look up or Explore
      • Adopt a Pet
      • Brampton Public WiFi
      • Brampton Social Media
      • Business Directory
      • GeoHub and Open Data
      • Mobile App (Pingstreet)
      • My Property Tax
      • Transit - Plan Your Trip
    • Pay or Purchase
      • Animal Shelter Donations
      • Theatre Tickets
      • Tickets and Fines
      • Accounts Receivable Invoice Payments
    • Report or Inquire
      • 311 - Contact Us
      • By-law Enforcement
      • Dead Animal
      • Graffiti
      • Insurance Claims
      • Parking
      • Parks and Recreational Trails
      • Potholes and Roads
      • Transit Lost and Found
      • Online Services A-Z
      • Online Services by Topic
311 logo
Search
Insurance Claims

Frequently Asked Questions

In this section

  • Insurance Claims
  • Contracted Companies
  • Fallen Trees
  • Potholes
  • FAQsCurrently selected
Page Content

 Submitting an Insurance Claim

I have damaged my vehicle on an on-ramp or off-ramp for HWY 407. What should I do?

For claims involving the 407 ETR, please contact the 407 ETR at 1-888-407-0407.

What is the difference between making a claim through my insurance company and making a claim against the City of Brampton?
  • Making a claim through your insurance company means that you are taking advantage of your insurance coverage for your personal assets according to your insurance policy.
  • Making a claim against the City of Brampton is a third-party liability claim, which means you believe that the City has been negligent in its maintenance of facilities, roads and trees, causing bodily injury and/or damage to your property and you are seeking compensation.
What is negligence?

The City has an obligation to maintain its infrastructure. It must exercise a reasonable standard of care. The City may be found negligent if it fails to meet the appropriate standard of care, and that failure results in damage or injury to the public.

If you choose to submit a claim against the City, it is important to outline why you believe the City is responsible for your accident and provide proof of your damages.  The City will conduct an investigation to determine if it has met its maintenance obligations.

If the City did not exercise a reasonable standard of care, the City may be found to be negligent. In that circumstance, the City will attempt to resolve your claim. Any compensation paid to you will be based on proof of damage that has arisen as a result of the City’s negligence. If the City did exercise a reasonable standard of care, your claim will be denied.

I have damaged my vehicle on a road that was under construction or unassumed. What should I do?

Be sure to see a licensed vehicle mechanic to determine the extent of damage. Contact your automobile insurance company as you may have coverage for this type of loss.

Contractors working for the City will have a permit or a contract. In both cases, there is an indemnity and insurance clause that protects the City against claims arising from their operations.

The City of Brampton requires that all of their contractors carry insurance. Should the City receive a claim resulting from a contractor’s work, it will forward the claim to the contractor for handling. Please note that payment in respect of property damage or bodily injury is contingent upon the contractor being found legally liable. To assist in processing your claim, the City will identify the contractor as well as copy the contractor, quoting the contract number, in our response to you.

If the loss has occurred in a subdivision not yet assumed by the City, the developer is responsible for the maintenance and upkeep of the area.  To assist in processing your claim, the City will identify the developer along with th​eir c​ontact information, and will copy the developer in our response to you.

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

My property has flooded. What should I do?

If at all possible, separate the damaged items from non-damaged i​tems. Contact your property insurance company, as you may have coverage for this loss.

Significant rainfall over a short period of time can result in the City’s storm system taking in more water than the system is designed to accommodate, resulting in flooding.​

If the flooding originated from a storm sewer, call 311. If the flooding originated from a watermain or the sanitary sewage system, contact the Region of Peel 24/7 hotline at 905-791-7800.

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

My property has been damaged because of tree branches. What should I do?

The mere fact that a City tree caused damage does not warrant automatic compensation from the City. An investigation will look into the history of the tree to consider all factors.

Contact your insurance company as your insurance policy may provide coverage for your damages. Your insurers can pursue any party it believes to be responsible for the damages.

If the tree/limb failure occurred as a result of a storm event, then the City will not be responsible for your property damage.

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

I need a rental vehicle because my vehicle is badly damaged or unsafe to drive. How can I get a rental vehicle?

If you need to rent a vehicle, it is your own decision.  You may consider contacting your own automobile insurance company for assistance in this regard. If you choose to rent a vehicle bef​ore hearing from your insurance company, you may be responsible for all or part of that expense.​

How can I obtain information contained in City records?

You may obtain information from the City under the Freedom of Information Act by contacting the City's Freedom of Information Coordinator, Council & Administrative Services, 2 Wellington St. West, Brampton, ON, L6Y 4R2.​

What should I do if my property is damaged as a result of construction?

Write down the details of when and how the damage occurred as well as who was doing the construction work.

Contact your insurance company as your insurance policy may provide coverage for your damages. Your insurers can pursue any party it believes to be responsible for the damages.

Contractors working for the City will have a permit or a contract. In both cases, there is an indemnity and insurance clause that protects the City against claims arising from their operations. The City of Brampton requires that all of their contractors carry insurance. Should the City receive a claim resulting from a contractor's work, it will forward the claim to the contractor for handling. Please note that payment in respect of property damage or bodily injury is contingent upon the contractor being found legally liable.

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

My vehicle was damaged in a pothole, from road debris or a manhole cover. What should I do?

Claims for d​amage to a vehicle as a result of driving over a pothole, road debris or a manhole cover are not generally reimbursable. ​Please report the damage to your insurance company.

What you should consider when making a claim
  • Any damage to your property can be upsetting and disruptive; however, it’s important to know that the City of Brampton is not your insurer.
  • If you have automobile or property insurance, we suggest that you consult with your insurance company or broker first for advice on how to deal with your loss. Your insurance coverage may be more extensive than what you can recover from the City.
  • If your insurer believes the City is responsible for your damages, they may seek compensation against the City of Brampton on your behalf.​
My property has been damaged because of a sewer back-up. What should I do?

The Sanitary Sewer system is the responsibility of the Region of Peel. For claims involving the Region of Peel, please contact the Region of Peel Risk Management Department at 905-791-7800.​

Who can I tell about potholes or other road hazards that I see?
Please call 311. The exact location of the hazard will be recorded and an inspection arranged so that appropriate action is taken.​
Tree roots from a City owned tree have caused damage to my underground laterals. What should I do?

Tree roots rarely intrude or invade into underground laterals unless there is first a break in the lateral which would attract the roots.

Old clay tiles do have a tendency to collapse from time to time and​ are not sealed in the same way as modern laterals and as a result of seepage, attract tree root growth in their direction.​

I have fallen on a City sidewalk or on a City park pathway. What should I do?

Although City sidewalks and pathways are inspected and maintained, deficiencies can still arise, sometimes quite suddenly.

Sidewalk deficiencies may also be created by adjacent property owners, for example, by the installation of underground sprinklers, water flow and construction debris.​

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

What you should know about going through your own insurance:
  • Your insurance coverage is generally more extensive than what you may recover from the City through a third party liability claim.
  • Often your insurance company will pay for your loss up front, regardless of who is responsible for your damage. This may, however, result in higher premiums in the future.
What you should know about making a claim against the City of Brampton:
  • Third party liability claims will take more time as an investigation will be conducted to determine if the City was negligent, causing damage.
  • Payment from the City is not guaranteed.
  • If the City is found to be negligent, the amount that you would receive in compensation is limited to its current value, not its replacement value.
I have damaged my vehicle on an on-ramp or off-ramp for HWY 410. What should I do?

For claims involving the Ministry of Transportation, please contact the Ministry of Government and Consumer Services’ Risk Management and Insurance Services Branch at 416.314.3445.

Compliance Details
javascript:if (typeof CalloutManager !== 'undefined' && Boolean(CalloutManager) && Boolean(CalloutManager.closeAll)) CalloutManager.closeAll(); commonShowModalDialog('{SiteUrl}'+ '/_layouts/15/itemexpiration.aspx' +'?ID={ItemId}&List={ListId}', 'center:1;dialogHeight:500px;dialogWidth:500px;resizable:yes;status:no;location:no;menubar:no;help:no', function GotoPageAfterClose(pageid){if(pageid == 'hold') {STSNavigate(unescape(decodeURI('{SiteUrl}'))+ '/_layouts/15/hold.aspx' +'?ID={ItemId}&List={ListId}'); return false;} if(pageid == 'audit') {STSNavigate(unescape(decodeURI('{SiteUrl}'))+ '/_layouts/15/Reporting.aspx' +'?Category=Auditing&backtype=item&ID={ItemId}&List={ListId}'); return false;} if(pageid == 'config') {STSNavigate(unescape(decodeURI('{SiteUrl}'))+ '/_layouts/15/expirationconfig.aspx' +'?ID={ItemId}&List={ListId}'); return false;} if(pageid == 'tag') {STSNavigate(unescape(decodeURI('{SiteUrl}'))+ '/_layouts/15/Hold.aspx' +'?Tag=true&ID={ItemId}&List={ListId}'); return false;}}, null);
0x0
0x1
ContentType
0x01
898
Document Set Version History
/_layouts/15/images/versions.gif?rev=44
javascript:SP.UI.ModalDialog.ShowPopupDialog('{SiteUrl}'+ '/_layouts/15/DocSetVersions.aspx' + '?List={ListId}&ID={ItemId}')
0x0
0x0
ContentType
0x0120D520
330
Send To other location
/_layouts/15/images/sendOtherLoc.gif?rev=44
javascript:GoToPage('{SiteUrl}' + '/_layouts/15/docsetsend.aspx' + '?List={ListId}&ID={ItemId}')
0x0
0x0
ContentType
0x0120D520
350

Submit claims to:

City Cle​rk's Office
Corporation of the City of Brampton
2 Wellington Street West
Brampton, Ontario
L6Y 4R2

If you have any further questions about the claims notification process, please call 905.874.2960 or email:
risk.management@brampton.ca

Social Media Image

Copyright and Contact Information

© 2023 City of Brampton Terms of Use Privacy Contact Us
Follow the City of Brampton on TwitterFollow the City of Brampton on InstagramVisit the City of Brampton on FacebookJoin the City of Brampton on LinkedInFollow the City of Brampton on YouTube