Insurance claims

If you have incurred costs or damages for which you believe the city may be responsible, follow the process outlined below to have your claim considered. In some cases you are required to place the city on notice within 10 days of the accident.

According to the Municipal Act, we must receive notification in writing.

We suggest that in cases of damage, you contact your insurance company or broker. If the insurer believes the city is responsible, they may seek compensation on your behalf as stipulated in your insurance policy. 

Filing a claim

  1. Complete the insurance claim form (PDF) or prepare your notice of claim in writing and ensure it contains the following information of the person making the claim:
          •  name
          •  mailing address
          •  email address
          •  telephone number
          •  date and approximate time of the accident/incident
          •  location of accident/incident
          •  brief description of what happened
          •  type of damage or injury
  2. Submit to or in person at the legislative services counter at city hall

Claim process

Once we receive the claim it will be forwarded to the Waterloo Region Municipal Insurance Pool (WRMIP) where all claims are investigated by insurance professionals.

You will be advised of the outcome of the investigation when all relevant facts are determined. WRMIP can be reached at 519-741-2961 if you have questions.  


We do not provide compensation for your costs unless you provide evidence that the city committed a negligent act or omission which resulted in the injury or damage.

Like most Canadian municipalities, we only compensate when we are legally liable for the damage sustained. This approach helps to reduce costs for the taxpaying public, who ultimately bear the cost of these claims.

This claims process does not mean that the City of Waterloo is accepting liability for your claim, nor does it waive any legal rights that the City of Waterloo may be able to rely on in matters such as these.