Toronto property damage claims

The city owes you money.

Potholes, floods, fallen trees. If city negligence damaged your property, you're entitled to compensation. Most people never claim it. We file it for you in five minutes.

Check if I qualify → How it works
$25 flat fee Free eligibility check Toronto residents only
By the numbers
Toronto's pothole season is record-breaking.

From the City of Toronto's 2025 Claims Disclosure Report — and most residents are still not filing.

Claims filed
2,317
Pothole claims in just the first two months of 2026 — up 292% year over year.
Average payout
$726
The average pothole settlement in 2025. That's roughly 29× our filing fee.
Maximum payout
$2,000
Cap the city will pay on a pothole claim — and what many drivers are seeing this year.
Source: City of Toronto Claims Disclosure Report, February 2026.
It takes forever. It's very hard to prove, and you got to go through a lot of hardship in order to get the money back.
— Daniel Lauzon, Toronto resident, after a pothole caused $2,000 in damage to his vehicle · CP24, March 2026
That hardship is exactly what we remove. 5 minutes. $25.
File my claim →
How it works
Five minutes. Done.

No phone calls. No legalese. No copy-pasting your own incident description into a city form. We do the part that everyone gives up on.

01 / TELL US
What happened?
Pick your claim type — pothole, flood, fallen tree, or other city negligence. 30 seconds.
02 / SCREEN
We check liability
We run your incident against the city's own rules — weather on the day, 311 history, maintenance windows. You get an honest read before paying anything.
Free
03 / DRAFT
We write the description
Our AI generates a professionally framed incident description in the language adjusters respond to. This is what separates approved claims from ignored ones.
04 / FILE
We submit on your behalf
You authorize us, we file. The city's third-party adjuster acknowledges within 5 business days. Average resolution is within 90 days.
What we handle
Four kinds of claims.

Each has its own rulebook, deadline, and city defence playbook. We know all four.

Pothole damage
Tire, rim, suspension, or wheel-alignment damage caused by a Toronto street pothole.
Most common · 10-day window
Basement flood
Water damage from a sewer backup or watermain break caused by city infrastructure failure.
Highest payouts
Fallen tree or branch
Damage from a city-owned tree where the city had prior notice of decay or hazard.
Prior notice required
Other city negligence
Sidewalk hazards, city signage, equipment, or any other failure of reasonable care.
Case by case
Pricing
Simple. Flat. Fair.

No subscription. No percentage of your settlement. Pay once when you're ready to file — never before.

One-time
$25
CAD · per claim · non-refundable once filed
  • Free eligibility screener
  • AI-written incident description
  • Direct submission to city adjuster
  • Signed authorization on file
  • No hidden fees, ever
Start my claim →
The screener is free. You only pay when you're ready to file.
Questions
Straight answers.

No marketing-speak. If you have a question we haven't answered, email us.

Do you guarantee my claim will be approved?
No — and anyone who does is lying to you. The City of Toronto's adjusters make all approval decisions independently. What we guarantee is that your claim will be professionally prepared, correctly filed, and submitted on time. That's what you're paying for.
Is ClaimsTO a law firm?
No. We are a document preparation and filing service. We do not provide legal advice or representation. We prepare your claim documents and submit them to the city on your behalf as your authorized agent.
What happens if my claim is denied?
The city adjuster will notify you with their decision. Our fee is non-refundable once the claim has been filed — we delivered the service (professional preparation and submission) regardless of the city's outcome. We're upfront about this before you pay.
Is my personal information safe?
Yes. Your information is used only to file your claim. It's shared with the City of Toronto (required to process the claim) and Stripe (payment processing only). We never sell your data, everything is transmitted over encrypted HTTPS, and we delete your record after 12 months.
How long does the city take to respond?
The city's third-party adjuster will send an acknowledgement within 5 business days of submission. Resolution times vary depending on case and volume — average is within 90 days.
Can I file if I didn't call 311 at the time?
You can still file — but it weakens your claim, especially for flood damage. The city uses 311 records to establish when they were notified of a hazard. Our screener flags this and gives you an honest assessment of your chances before you pay.

Stop leaving money on the table.

Check if you qualify in two minutes. It's free until you decide to file.

Check my eligibility →