Toronto homeowners who have experienced tree damage to their homes may be able to get compensated from the City of Toronto. Among the most expensive damage caused to homes is fallen trees and large branches. In the event that such damage was caused by the City’s negligence in maintenance of City facilities, roads, trees and sewers, then you may qualify for compensation. In addition to property damage, damage can also include bodily injury.
According to the City of Toronto, from 2011-2016, there were 32,407 combined CGL, Auto & Property Insurance Claims against the City. The Total Estimated Value of the claims is $270,376,456, of which $108,039,785 has been paid.
What you should know about filing a claim against the City of Toronto.
The City of Toronto is not your insurer.
If you have auto or property insurance, consider consulting your insurance company or broker first, for advice on how to deal with your loss. Your insurance coverage may be better than what you can recover from the City.
If your insurer believes the City is responsible for your damages, they may seek compensation against the City of Toronto on your behalf.
2. What is the difference between making a claim through my insurance company and making a claim against the City of Toronto?
The City of Toronto has an obligation to maintain its infrastructure. In the process, it must exercise a reasonable standard of care. The City may be found negligent if it fails to meet the appropriate standard of care, and that failure results in damage or injury to an individual or property.
If you choose to submit a claim against the City of Toronto, it is important to outline why you believe the City is responsible for your accident and provide proof of your damages. The City of Toronto will investigate to determine if it met its maintenance obligations.
If it is determined that the City did not exercise a reasonable standard of care, the City may be found to be negligent. In that case, the City will attempt to resolve your claim. Any compensation paid to you will be based on proof of damage resulting from the City’s negligence. However, if it is determined that the City did exercise a reasonable standard of care, your claim will be denied.