Notification of Property Damage Liability
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.
Useful tools to help you
The procedure includes:
- Details regarding the disclosure of latent defects, and section 1739 of the Civil Code of Québec, which deals with disclosure.
- What to do after the third party has been sent the notification of property damage liability.
Form letters to be personalized and sent to the third party by: