Injury or property claims

Kiama Council is sympathetic if you are injured or sustain a loss.

However, the fact that an incident has occurred does not mean we are liable to provide compensation.

Before we consider payment of compensation, proof supporting your allegation that the loss or damage claimed was caused by negligence on our part and/or our employees or agents is required.

If you are injured, our priority is to fix any issues.

Please report the problem you believe caused your injury to us as soon as you can.

This may prevent someone else suffering harm or loss.

Generally, we will only accept liability in cases where it can be proved that Council had actual knowledge there was a problem and was negligent in dealing with it.

If you are not sure whether you can make a claim, you should consider obtaining professional legal advice.

Making a claim

Please make sure you have reported the nature of injury or damage to Council before you make a claim.

Insurance claims

The quickest way to get your property or vehicle repaired, will be to go directly to your insurer. 

If your insurer believes Council is at fault, they will take care of seeking compensation from us.

Be aware that you may have to pay an excess, or meet other rules set by your insurer. Talk to them if you’re unsure.

Council claims

To make a claim with Council for personal injury, or if you don’t have insurance, you will need to complete a claim form:

Personal Injury or Private Property Damage Claim Form

Provide information

The more evidence you can provide to support your claim, the better.

What you need to include will depend on your individual case.

Things that can be helpful include:

  • details of when, where and how the problem happened
  • photographs or video
  • medical reports and invoices
  • reports from relevant experts, such as doctors, arborists or building professionals
  • witness reports or contact details
  • evidence that the cause of the problem had been reported to Council. Include the case or reference number from your report.

If we don’t have enough information, it can slow down processing of your claim.

Step 1.We'll investigate

We look into each claim and investigate what happened to cause the problem.

We use the information you provide, as well as our records, and any other relevant details available.

We may also get Council or independent experts to help with our investigations.

Claims Management Australasia (CMA) is Council's claims manager. 

CMA will provide advice to Council and in some cases will manage your claim on behalf of Council.

We try to investigate as quickly as possible, however the time this takes is different for each case.

Step 2.We'll respond

Once we have investigated your claim we will write to tell you the outcome.

Please allow 14 days for this response.

Council reserves the right to recover all or any costs that have been unnecessarily or unreasonably incurred while defending claims.

Further information:

Footpaths

If your claim is about injury or damage caused by the condition a footpath (such as a paver or concrete misalignment) you will need to show that Council had actual knowledge about the problem and had neglected to fix it.

We conduct regular inspections of the footpath network and are continually assessing damaged areas and prioritising repair work.

Not all deviations in footpaths require repair.

Council has standards for when a repair is required.

When a repair is necessary, factors including how long we could reasonably take to fix a problem are also taken into account.

If your claim is related to a utility access point in a footpath or road you should contact the relevant utility provider:

  • water
  • sewer
  • gas
  • communications.

Trees

Council is not legally responsible to pay compensation when trees or branches fall unexpectedly or because of weather.

We look after many thousands of trees on public land across the municipality.

Our resources do not allow for a municipal-wide tree inspection regime.

We do respond to all reports of trees that are unsafe, or might become unsafe.

However, we cannot inspect every tree on public land, and trees or branches can fall at any time – even from healthy trees.

Weather events such as storms or high winds can also cause trees and branches to fall suddenly.

To make a claim about damage caused by a tree, you will need to prove that Council had actual knowledge there was a problem with the tree and was negligent in dealing with it.

Roads, road reserves and carparks

If your claim is about damage caused by the condition of a road, road reserve or carpark (e.g. a pothole), you will need to show that Council had actual knowledge about the problem and had neglected to fix it.

Factors including how long we could reasonably take to fix a problem are also taken into account.

Driveway crossings

Should you trip or slip on a driveway, Council will generally not accept any liability for injury.

Section 142 of the Roads Act 1993, states that the owner of the property is required to maintain the driveway in a satisfactory state of repair.

 

Drains & pipes

You are responsible for maintaining the drainage system and pipes, including stormwater and sewerage, between your property and the Sydney Water Mains (usually located under the middle of the road).

This even applies to parts of your system that run under public land.

If pipes become blocked due to tree roots or other objects, it will usually be up to the property owner to deal with this.

However, you may still be able to make a claim in some cases such as:

  • Your drains are damaged by an action of Council (e.g. road or footpath works breaking pipes
  • Damage is caused by a problem with Council-managed drains.

Tree roots entering pipes is a common problem.

This will usually only happen if the pipe is already damaged or breaking down and reaching the end of its useful life.

It is up to property owners to maintain their drainage systems, and in many cases Council won’t accept liability when the roots of Council-owned trees enter private drains or pipes.

If making a drain-related claim include:

  • A copy of the sewer services plan, available at Sydney Water's website or Dial Before You Dig.
  • Recent aerial images from Google Maps (or similar) clearly showing your property, structures and vegetation, and surrounding neighbours.
  • A report from a licensed plumber or other suitably qualified service providers. This should include:
    • their business name and details.
    • address of the property they inspected.
    • description of the inspection.
    • inspection methods used.
    • details about the type and age of pipes, their condition, factors that contributed to any damage, and options to repair it.
    • a clear plan of the property's sewer, showing the location of all pipes, flow directions, the location of the damage, and entry points used for inspection.
    • camera footage of the sewer system that shows the damage or blockage.

Personal property

Council's property insurance policy stipulates that Council is unable to include buildings or property that are not Council property on our insurance schedule.

If any property that is covered by your insurance is damaged, we recommend you report it to your insurer.

If they believe Council is at fault, they will take care of seeking compensation from us.

Be aware that you may have to pay an excess, or meet other rules set by your insurer.

Talk to your insurer if unsure.

If you don't have insurance, you can still lodge a claim with us.

Under the Dividing Fences Act, Council is not liable to contribute to fence costs.

Contractors & third parties

Council cannot accept liability for acts of negligence caused by contractors doing specialised work, or users of our parks and reserves, whether they are participating in an organised event, sport or recreational pursuit.

You should contact the contractor or user directly with any concerns or intentions to claim.