Insurance and Claims Information
If you have suffered an injury or have sustained damage to your personal property as a direct result of activities or services provided by the Township of King, and wish to file a claim for your damages, the following information will guide you through the process.
Please note that the Township is legally liable for your damages and or injuries ONLY if you can provide evidence that the Township committed a negligent act or omission that resulted in the damage and or injury. The onus is on you to prove your claim and your damages.
The Municipal Act, 2001, places some time restrictions on submitting an insurance claim including those involving a slip and fall. Such incidents must be reported to the Township of King within 10 days of the incident in order to be considered. To ensure that your claim does not fall outside of the 10 Day Notice Period, in all circumstances, please submit your claim.
To file a claim, please review the below information and hit the start button under File a Claim.
Any claim involving a licensed motor vehicle must be reported to the vehicle owner’s insurance provider under Ontario automobile insurance regulations, regardless of fault.
If you have an accident involving your vehicle, please report it to your insurance provider immediately. Your insurer will review your claim and notify the Township if needed.
Please note the Township is required, like all Ontario municipalities, to comply with the Minimum Maintenance Standards (MMS) for municipal highways.
If you still want to submit a claim, you can submit a claim online with the claim process.
Claims for damage to a vehicle as a result of driving over a pothole are not generally reimbursable.
If you have damaged your vehicle because of a pothole:
- See a licensed motor vehicle mechanic.
- Do not continue to drive your vehicle if it is not operating properly.
- Contact Service King at 905-833-5321 or submit an online service request to advise the Township of King of the exact location so that repair work can be done.
- Contact your insurance company or broker for assistance.
- Your insurer will review your claim and notify the Township if needed.
- If you still want to submit a claim, you can submit a claim online with the claim process.
Please note the Township is required, like all Ontario Municipalities, to comply with the Minimum Maintenance Standards (MMS) for municipal highways.
Township staff constantly patrol our roadways for potholes and other deficiencies. However, potholes are weather related and can occur at any time of the year.
They are normally formed following extreme weather, with the freezing and thawing of sub-surface water from rain or snow runoff that penetrates the top layer of asphalt through cracks in the road. After the moisture freezes and expands, sections of the pavement are forced up. The weakening of the pavement structure combined with the weight of vehicular traffic leads to the formation of potholes.
The Township has a significant network of streets, and the Public Works Department has a fixed number of work crews, equipment, and other resources with which it can respond to and repair road defects.When a pothole is reported to the Township, the repair work is scheduled and carried out accordingly. During extreme and unfavourable weather conditions pot hole repairs may be delayed and temporary repairs may be made until conditions improve.
If you still want to submit a claim, you can submit a claim online with the claim process.
If you suffer loss or damage to your own property, you should immediately report it to your property insurance provider. Your insurer will review your claim and notify the Township if needed.
If you still want to submit a claim, you can submit a claim online with the claim process.
If you suffer an injury that you believe to be the fault of the Township, you must report the incident to the Township immediately.
The Township’s insurance policy may not respond to claims brought forward after the prescribed period has expired. This period will differ depending on the claim details.
If you still want to submit a claim, you can submit a claim online with the claim process.
The Township of King is not responsible for flooding and sewer back-ups that meet the installation and maintenance standards for its water and sewage delivery system. In addition, flooding and sewer back-ups that occur on the private side of your property are not the responsibility of the Township.
If you suspect that the flooding and sewer blockage originated on Township property, homeowners are asked to contact their property insurance provider first. If required, your insurance company will contact the Township of King.
Watermain breaks or sewer back-ups can occur due to many reasons. For example, the weather can have a significant impact. The freeze and thaw cycle due to colder and milder temperatures can cause external pressure on the watermains. These pressures often cause leaks and watermain breaks.
Contact Service King at 905-833-5321 or submit an online service request for Public Works to assess a water or sewer complaint.
If you still want to submit a claim, you can submit a claim online with the claim process.
The Township of King frequently enters contracts with independent companies (contractors) who perform work on the Township’s behalf. The Township’s agreements with the contractors contain a strict requirement that they respond directly to claims for any damage or injury to members of the public that they may be held responsible for.
Upon receipt of information that a contractor had control over the accident location at the time of your loss, your claim will be forwarded to the contractor, and you will be advised in writing when this has happened. The contractor should acknowledge receipt of your claim and identify a contact person who will be responsible for investigating your claim.
The contractor will conduct an investigation and make a decision regarding your claim. If the contractor determines that they were responsible for your loss, they will resolve your claim with you directly.
If the contractor determines their work met reasonable and appropriate construction standards, they may deny your claim. In this case, their communication to you will provide the results of their investigation and clearly explain their decision. Should you disagree with the contractor’s decision, and you still wish to pursue your claim, you have the option of pursuing the contractor by proceeding with legal action.- For claims involving regional roads and infrastructure, contact York Region at 1-877-464-9675 ext 77846 or visit their website.
- For claims involving the provincial highways and infrastructure (Highway 400) please contact the Ministry of Government and Consumer Services, Risk Management and Insurance Services Branch, at 416-314-3445 or visit their website.
- To determine whether a road is municipal, regional, or provincial, please reference this York Region road identification map.
Prior to submitting a claim to the Township of King, please consult your insurance company to determine if you are covered for your specific type of damage, injury or loss.
Risk Management will commence an investigation based on the information you provided. For this reason, we request that your claim contain as much detail as possible. Please attach photos of the location of loss or injury, as well as photos of your damages. Generally accepted adjusting principles will be followed to determine liability.
Due to the uniqueness of each claim, we are unable to state when final decisions will be made on claims.
To start the claims process, please hit the start button.
Upon receipt of your Notice of Claim form, you will receive an automatic acknowledgement from the Township.