Toronto Only
Did the city damage your property? You could be compensated — let us handle the paperwork.
Screener
Step 1 of 5
What happened?
Takes 5 minutes. We check if the city is likely liable before anything else.
Pothole damage
Vehicle damage from a pothole on a Toronto city street
Basement flood / sewer backup
Water damage from city infrastructure failure
Fallen tree / branch damage
Property damage from a city-owned tree or branch
Other city negligence
Sidewalk, signage, city equipment, or other city property
Step 2 of 5
Quick eligibility check
3 questions. We use this to assess your claim strength — honestly.
When did the incident happen?
Pothole claims must be filed within 10 days of the incident.
Date is in the future
An incident cannot occur on a future date. This date will not be valid on your claim. Please choose the actual date of the incident.
Outside the 10-day window
Pothole claims require submission within 10 days. Your claim may still be valid for other damage types. We'll still prepare your package — the city adjuster makes the final call.
Was there a storm, heavy rain warning, or high winds that day?
Weather events are the city's most common defence across all claim types.
No / normal weather
Mild rain or snow
Storm / weather warning
Not sure
Weather defence may apply
The city often uses severe weather as a complete defence. This makes approval harder — but not impossible. We'll still build your package and note this risk.
Did you (or anyone) report this to 311?
A 311 report establishes that the city was aware of the hazard.
Yes — I have the SR number
Yes — no number though
No
Not sure
No 311 record weakens the claim
For flood claims especially, not reporting to 311 at the time is a significant problem and can make it harder to show the city had notice of the issue.
Step 3 of 5
Your claim assessment
Step 4 of 5
Your details
Maps directly to the city's claim form. Nothing extra.
Incident details
Did your incident occur on a highway? *
No
Gardiner Expressway
Don Valley Parkway (DVP)
Other
Step 5 of 5
Your claim package
Review your package, pay the $25 filing fee, then sign to authorize submission.
$25 one-time filing fee

Secure payment via Stripe. You’ll return here automatically to sign and submit.

Card data is handled by Stripe — ClaimsTO never sees your card number.
✓ Payment received
Next: tap Review terms & authorize below.
AI-generated incident description
Pre-filled form fields
What happens next
The city's third-party adjuster will send you an acknowledgement letter within 5 business days. Resolution times vary depending on case and volume. Average is within 90 days. Keep your confirmation number and all receipts for repairs.
Submitted. See the confirmation window for next steps.

Submitting your claim…

Terms of service & submission authorization
Terms of service
These terms govern your use of ClaimsTO, a document preparation and filing service. ClaimsTO is not a law firm and does not provide legal advice.
1. Nature of service
ClaimsTO prepares, organizes, and submits municipal insurance claim documentation to the City of Toronto on behalf of its users. We are a document preparation service only. Nothing in this agreement constitutes legal representation, legal advice, or a lawyer-client relationship of any kind.
2. No guarantee of outcome — no refunds
ClaimsTO makes no representation, warranty, or guarantee that your claim will be approved by the City of Toronto. Claim outcomes are determined solely by the City's Insurance and Risk Management division. All fees are strictly non-refundable once submission has been made, regardless of claim outcome. Our fee covers document preparation and submission only.
3. Accuracy of information
You represent and warrant that all information you have provided is true, accurate, complete, and not misleading. ClaimsTO relies entirely on information you provide and has no independent means of verifying it. Submitting false or misleading information to the City of Toronto may constitute fraud and is solely your legal responsibility.
4. No independent verification
ClaimsTO does not verify, validate, or independently confirm any information provided by the claimant. ClaimsTO bears no responsibility for the accuracy of submitted information.
5. Your indemnification of ClaimsTO
You agree to indemnify, defend, and hold harmless ClaimsTO, its operators, and affiliates from any claim, liability, loss, damage, or expense (including legal fees) arising from: (a) inaccurate, false, or incomplete information you provided; (b) any dispute with the City of Toronto relating to your claim; or (c) your breach of these terms. ClaimsTO's total liability to you shall not exceed the fee you paid for this service.
6. Authorized agent
By completing the authorization below, you appoint ClaimsTO as your authorized agent for the sole purpose of completing and submitting one (1) insurance claim to the City of Toronto on your behalf. This authorization is limited to the specific claim described in your package only.
7. Privacy & data collection
What we collect. We collect only the information required to prepare and submit your claim: your name, contact details, address, incident details, and damage description. We do not collect any information beyond what you voluntarily provide in this form.

How it's used. Your information is used solely to (a) prepare your claim documentation, (b) submit your claim to the City of Toronto's Insurance and Risk Management division, and (c) contact you regarding your submission. It is used for no other purpose.

Who sees your data. Your information is shared with: (1) the City of Toronto, as required to process your claim; and (2) Stripe Inc., solely to process your payment. Stripe's privacy policy governs their handling of your payment data — we never store, see, or have access to your full card number. No other third parties receive your data under any circumstances.

Data security. All data is transmitted over encrypted HTTPS connections. We do not store your payment information. Your personal and claim details are stored securely and accessed only for purposes described above.

Retention & deletion. We retain your submission record for 12 months following your claim submission for dispute resolution purposes, after which it is permanently deleted. You may request early deletion at any time by emailing us at privacy@claimto.ca — we will action all deletion requests within 7 business days. Note that once your claim has been submitted to the City of Toronto, we cannot delete the copy held by the City.

We will never sell, rent, trade, or otherwise disclose your personal information to advertisers, data brokers, or any other third party not named above. We do not use your information for marketing purposes without your explicit consent.

Applicable law. Your personal information is handled in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy legislation.
8. Governing law
These terms are governed by the laws of the Province of Ontario. Any disputes shall be resolved in the courts of Ontario.
Submission authorization
Read and check all three boxes to proceed.
I have reviewed my completed claim package and confirm that all information — incident date, location, damage description, and 311 status — is accurate and true to the best of my knowledge.
I authorize ClaimsTO to submit this claim to the City of Toronto on my behalf as my authorized agent. I understand ClaimsTO is a document preparation service only, is not a law firm, and does not guarantee approval. The $25 fee is non-refundable once submitted.
I have read and agree to ClaimsTO's Terms of Service above, including the indemnification clause and no-refund policy. I understand that submitting false information to the City of Toronto is my sole legal responsibility.
Electronic signature
Check all 3 boxes and enter your name + email to authorize