Once the investigation has begun, the claims adjuster may have to notify a third party that he could be held liable for damages caused to the insured and that his civil liability could be incurred.

During this process:

• A notification of property damage liability must be sent to the third party. 
• The third party is asked to send this notification to their own insurer in order to open the lines of communication between the two parties’ claims adjusters. 
• Subrogation documents, or supporting documents related to compensation paid, could be exchanged if the third party’s liability is clearly incurred.

Please note that:
The notification of property damage liability must not be used for claims where a latent defect appears to be the cause of the damages. In this situation, section 1739 of the Civil Code of Québec applies.