Make an insurance claim
If you believe the city may be responsible for costs or damages, you can make an insurance claim.
You must submit your claim in writing, as required by the Municipal Act. In some cases, you must provide notice within 10 days of the incident.
On this page:
How to submit a claim
We recommend contacting your own insurance company first. If your insurer believes the city is responsible, they may seek compensation on your behalf.
Fill out the insurance claim form (PDF) or send a written notice by email or in person.
Include the following in your claim:
- your full name
- mailing address
- email address
- phone number
- date and approximate time of the incident
- location of the incident
- brief description of what happened
- type of damage or injury
Email your claim to clerkinfo@waterloo.ca or submit it in person at the Legislative Services counter on the third floor of City Hall.
What happens next
We forward all claims to the Waterloo Region Municipal Insurance Pool (WRMIP). Their insurance professionals investigate each claim.
WRMIP will contact you when the investigation is complete. If you have questions, call WRMIP at 519-741-2961.
Compensation
The city only compensates when there is evidence that we were legally responsible for your injury or damage.
Like most Canadian municipalities, we only cover costs caused by a negligent act or omission. This helps keep costs low for taxpayers.
Submitting a claim does not mean the City of Waterloo accepts liability or waives any legal rights.