Claims, Insurance and Risk Management

If you believe Haldimand County may be responsible for costs or damages you have incurred, submit a claim to have your situation reviewed.

Claim types

Auto Damage

Find information on damage related to potholes, Haldimand County trees and construction zones. 

Bodily Injury

Find information on submitting claims for an injury and what is considered in the process.

Contractor Claims

Learn about submitting a claim for damage due to work done by a third-party contractor. 

Property Damage

Find information on property claims for damage due to water, trees, and contracted services. 

Before you make a claim

Before submitting a claim to Haldimand County for loss or damage, please note the following considerations:

  • Always call your insurance broker first. They can guide you through your insurance policies and respective coverages.
  • Investigating claims takes time. If repairs or replacements are needed immediately, it may be quicker to work through your private insurance.
  • Depending on your coverage, your insurance may provide full replacement value. Haldimand County can only compensate based on the established depreciated value of the loss.
  • Haldimand County is not responsible for any costs you incur during the claims process unless it is determined that our negligence led to the loss.
  • The responsibility to prove negligence on behalf of Haldimand County rests with the Claimant.

Claims process

Once a claim has been received by Haldimand County:

  • Claims are reviewed to determine who has custody of the loss location – another party, a contractor or Haldimand County. If the jurisdiction falls to another party (i.e., the MTO on Highway 6), you will be notified. If jurisdiction falls to that of a contractor, the process will follow the Contractor Claims Process.
  • An independent Claims Adjuster may be assigned.
  • You will be issued an acknowledgement of receipt of the claim by Haldimand County, a contractor or an independent adjuster.
  • If acknowledged by Haldimand County or an independent adjuster, a claim number will be assigned. Please reference this number anytime you are inquiring about the matter.
  • An investigation will commence which may include seeking more information from you by email, phone, or in person. The purpose of the investigation is to confirm whether Haldimand County would be legally liable for the incident.
  • The estimated timeline for an investigation is 6 to 12 weeks depending on the complexity of the claim and your claim's place in the queue.
  • If it is determined that Haldimand County is legally liable, negotiations of settlement will commence, an offer of settlement will be issued and you’ll be required to sign a Full and Final Release.
  • If it is determined that Haldimand County was not negligent, the claim is denied along with an explanation of the reason for denial.
  • If you are not satisfied, your next steps would be to look at proceeding with legal action against Haldimand County.

To commence legal action, a Statement of Claim submission must comply with the legislated process. This requires that court documents are to be served to the Municipal Clerk or delegate of Haldimand County.

Only the serving of official documents to the Clerk or designate can commence a claim in Court. Previous Haldimand County claim submissions or correspondence are not sufficient.

Be sure to call or email us to confirm there is someone available to accept the documents for when you’re planning to come.

Municipal Clerk
Phone: 905-318-5932
Email: clerk@haldimandcounty.on.ca

The legal entity and address is as follows:

The Corporation of Haldimand County
53 Thorburn St S
Cayuga, On
N0A 1E0

Where Haldimand County has determined it is not liable, it will vigorously defend any legal claim against it. We do not pay “nuisance settlements” to avoid going to Court.

All information above is intended as general information and should not be considered legal advice.

Report a potential hazard

Our risk management team works diligently with all Haldimand County departments to help mitigate risks but also relies on the public for notifications of hazards. As claims and insurance-related fees are supported by property taxes, helping us identify and mitigate hazards can have a positive impact on the tax levy.

Report a hazard online or by phone at 905-318-5932.

Reporting a hazard is not a submission of a claim.

Contact Us

Legal Services
53 Thorburn Street South
Cayuga, Ontario
Canada, N0A 1E0

Email Legal Services
Phone: 905-318-5932, ext. 6120

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