What Happens Once I Submit My Claim?

Step One: Your Case is Sent to an Independent Adjuster for Review

Your claim form and all attached information (photos, documents and more) will be sent to an independent adjuster.

All claims are managed and investigated by an independent adjuster, not City staff.

After you make your claim in writing, all future dealings regarding the claim are between you and the independent adjuster, not City staff.

If it happens that a contractor had control over the location where your damage or injury took place at the time of your claim, the independent adjuster will forward your claim form to the contractor for their investigation and liability determination. You will be advised by the independent adjuster in writing if your City Claim Form has been forwarded to the contractor.

Step Two: Case Review

The independent adjuster will review your case and make a determination of whether or not the City is legally liable for damages.

Step Three: Decision

You can be advised in writing by the independent adjuster of the outcome of your claim.

Your claim will only be paid if the adjuster determines that the City is legally liable.

How Long Will It Take To Get a Decision on my Claim?

Typically, damage claims are completed by the independent insurance adjuster within 60 days. Storm events and other circumstances can delay the completion of this process.