Municipal Insurance

The Town of Huntsville Risk Management program is responsible for three main areas: risk financing, risk control and claims administration.

Vehicular Claims

Municipalities are required to comply with the Minimum Maintenance Standards for Municipal Highways (Ontario Regulation 239/02). If you feel your vehicle has been damaged due to an improperly maintained road (for example, a pothole) you should immediately contact your automobile insurer.

Property/Personal Injury Claims

If you feel your property has been damaged or you have sustained a personal injury from the fault of the Town, the Town has insurance coverage which requires the municipality to notify and submit all claims immediately. If the incident relates to a contractor hired by the Town, typically there is an indemnity and insurance clause that protects the Town against claims arising from the contractor's operations.

How to File a Claim

If you have suffered a loss you should first contact your own Insurer. If your insurer covers the loss, it will deal with your claim and often has the right to then pursue the responsible party on your behalf.

Claim File Process

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

• The name, mailing address, and telephone number of the person making the claim
• The contact name, mailing address, email and telephone number of the person submitting the claim (if different from above)
• The date, approximate time of the claim and location
• A brief description of what happened
• The name of any contractor involved (if known)

Once your claim is received the Town will forward all documentation to our insurance provider and the investigative process will then begin. Please keep in mind that there is no guarantee on response time.

Rental Insurance Policy

For more information please follow this link to the Rental Insurance Policy page.