Frequently asked questions
Page updated on: 04/12/2025
No. Compensation is only offered if the Council is found to be legally liable — meaning we failed to take reasonable care and that caused the damage or injury.
Claims with clear evidence that the Council was responsible for the damage, loss, or injury.
Only if it can be shown that the damage was made worse by the Council’s negligence.
Only in specific legal circumstances, and you’ll need to provide strong supporting evidence
In some cases, yes — if the loss is directly linked to the Council’s actions or negligence.
Only if the damage was due to the Council’s fault or failure to act.
No. The Council insures the building and fixtures, but not your personal belongings. You should have your own contents insurance. For advice, contact your Housing Officer.
We may cover the reasonable cost of urgent temporary repairs if we are found liable.
You can still make a claim, but you’ll need to provide receipts, quotes, or invoices.
We’ll still review your claim, but missing evidence may reduce the chance of success.
If you believe the Council’s actions or negligence caused your loss, you can submit a claim.
Common types include:
- Public liability
- Property damage
- Highways and road-related incidents
- Motor accidents involving Council vehicles
- Employer’s liability (for Council staff only)
Contact the relevant emergency service first. Then notify the Council as soon as possible.
No. You can submit a claim yourself. However, you’re free to appoint legal representation if you wish.
No fee is charged by the Council. If you choose to appoint a solicitor, any legal costs are your responsibility. If legal action is taken and your claim is unsuccessful, you may be liable for your own costs or those awarded by the court.
Yes. You can request a review by the Loss Adjusters and follow their complaints procedure. You’ll need to provide further information or evidence to support your appeal.
You can ask for a review and submit additional evidence for reconsideration.
Yes. You can seek legal advice or appoint a solicitor at any point in the claims process.
Simple claims may be resolved within 30–90 working days. Complex claims may take longer.
You should submit your claim as soon as possible. Legal time limits apply:
- 3 years for personal injury claims
- 6 years for property damage claims
If you wish to claim after these limits, court proceedings must be issued.
Yes. You can request updates from the Loss Adjusters at any stage.
Failing to take reasonable care, which results in harm or damage to someone or their property.
Insurance that covers injury or damage to third parties caused by the Council’s actions or failure to act.
We can only consider claims if the Council was responsible for the cause of the damage or loss.
Your data will only be shared with our insurers, legal teams, or relevant contractors for the purpose of assessing your claim.
