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Insurance & Claims

How to File a Claim

If you have suffered a loss for which you believe the City of Kawartha Lakes may be responsible, you must follow the process below to send your claim to the City for consideration. 

The Municipal Act 2001 requires that the City receive claim notification in writing and in some situations, you are required to place the City on notice within 10 days of the incident. To ensure that your claim meets the notice requirement, in all circumstances please forward it to the City as soon as possible.

Claim File Process

Prior to submitting a claim to the City of Kawartha Lakes, please consult your insurance company or broker to determine if you are covered for your specific type of damage, injury or loss. Depending on the situation, you may be eligible for greater compensation than you can legally recover from the City. If your insurer believes the City is liable your insurer will seek compensation from the City on your behalf.

Prepare your notice of claim in writing and ensure it contains the following information:

  • Name, address, phone number and/or email address of the person making the claim;
  • Date, time and exact location (address or closest intersection) of the incident causing damage, injury or loss;
  • A complete description of what happened including photographs, police report (if available), diagrams, estimates and/or repair invoices to substantiate your loss;
  • Details of the type of damage or injury;
  • The name of any other party involved including City staff or contractor etc.;
  • List name(s) and contact information of any witnesses;
  • If you have reported the incident to your insurance company, provide the name and contact information of the insurance adjuster assigned to your insurance claim.

Where to send your Notice of Claim

To submit your claim you can use one of the following methods:

Regular Mail:

The Corporation of the City of Kawartha Lakes
26 Francis Street, PO Box 9000
Lindsay, ON
K9V 4R5
Attention: Insurance Risk Management Department

Fax: (705) 324-7058


The City will not be held responsible for your costs unless you can provide evidence that the City committed a negligent act or omission which resulted in injury or damage. The City of Kawartha Lakes only compensates when it is legally liable for the damage or injury sustained. 

Response Time

Upon receipt of your claim by the Insurance Risk Management Department you will receive written acknowledgement which will include a claim number. Please retain this claim number as reference for future communication. 

The Insurance Risk Management Department will initiate an investigation based on the information you provided. The claim may be referred to an independent insurance adjuster in order for the adjuster to conduct an investigation into the facts and circumstances of your incident and to determine whether the City is legally liable for your claim. 

Due to the uniqueness of each claim, the timeline concerning the final decision of a claim will vary.

If you have any questions regarding the claims process please send your inquiry to  Alternatively, you can contact the City of Kawartha Lakes’ Insurance Risk Management Department at 705-324-9411 ext. 1380.

The personal information collected to investigate your claim is collected under the  authority of the Municipal Act 2001, S.O. 2001, c. 25 and will be disclosed to staff and service providers who require the information to investigate your claim against the City of Kawartha Lakes. Questions about the collection of this personal information should be directed to the Insurance Risk Management Department.

Damage to City Property

The City of Kawartha Lakes seeks recovery of costs from the individuals responsible for damage to City property such as street lights, hydrants, guardrails, signage etc.

Damage may be reported to Please ensure you include the date, location and description of the damage along with your contact information as well as the contact information of your insurer.

If you observe a hazard in the community please contact our Call Centre during regular municipal hours of operation at (705) 324-9411 or toll-free at 1-888-822-222 or through our website.

Municipal Emergencies

MUNICIPAL EMERGENCIES must be reported through making LIVE contact with Call Centre staff at (705) 324-9411 Monday through Friday 8:30 a.m. to 4:30 p.m.

AFTER-HOURS Municipal Emergencies, including weekends and statutory holidays - LIVE contact reached by calling our after-hours service provider at 1-877-885-7337

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