Claim Submissions

If you have incurred damage to your property or had an injury and you believe The City may be responsible, follow the Claims Reporting Process below.

Important Information

The Municipal Government Act sets out limitations for reporting incidents to the municipality. Section 531(2) and Section 532(9) specify the limitation period for a person to report a claim to The City of Red Deer.

Damage or injury due to snow on roads or sidewalks

The City must receive notification of the incident, in writing, within 21 days after the occurrence of the event.

Damage due to roads, public places and public works

The City must receive notification of the incident, in writing, within 30 days after the occurrence of the event.

Submit a Notice of Claim

Please complete the Claims/Incident Report (pdf) in detail to enable The City to process your claim. Each claim is assessed on its own merit.  Your claim should describe and include:

  • The nature of damage or injury
  • How it happened
  • The location, date and time of the incident
  • Any persons, equipment or other circumstances surrounding the incident
  • Any photographs of the incident location and damages
  • Why you believe the City is responsible

Notification must be sent to:

Risk Management & Insurance Analyst
PO Box 5008
Red Deer AB  T4N 3T4
Email: insurance@reddeer.ca 
Phone: 403-406-8776
Fax: 403-342-7321

Response time

Upon receipt of notification, the Risk Management & Insurance Analyst will acknowledge a claim in a reasonable manner and will promptly proceed with investigation. Once the investigation is completed you will be notified of The City’s findings.

Making a Claim FAQ

My vehicle was damaged in a pothole. What should I do?
  • Be sure to note the exact location, date and time of the accident and notify The City so that any needed repair work can be completed.
  • Assess the damage: Make a written list of all property that is damaged. Note which property is permanently damaged, i.e., will never be usable again.
  • Document the damage: Take photographs to document the extent of damage and the items affected.
  • Report the Problem: In order to prevent further claims and enable The City to promptly repair the pothole, please report the problem.
Should I call my insurance company?

Yes. Many insurance policies cover cleanup and the cost of repairing or replacing water-damaged property. Also, they may suggest methods to minimize the extent of your damage. Your insurance representative can provide full details.

Note: Depending on the situation, you may be eligible for more compensation from your insurer than you can recover from The City. If your insurer believes The City is liable it will deal with The City on your behalf.

What if I think the damage is The City's fault?

If you want to claim directly against The City, Claims/Incident Report (pdf) provides the information you need. When the claim is reported, an investigation of the location and details provided will be handled by Risk Management staff. Based on the findings of this investigation you will be compensated if The City is found to be legally liable for the damage.

Will The City pay my costs?
  • The City of Red Deer only pays claims when all evidence indicates it will be found legally liable. This approach minimizes costs for taxpayers who ultimately bear the cost of claims.
  • We recommend that everyone whose property is damaged contact their insurance representative to report damage promptly; this is a requirement of your insurance policy.