Did the City of Rockford just gift you a fresh pothole-induced flat tire? Maybe an unexpected sidewalk mishap? If you’ve suffered injury or property damage due to city infrastructure, you might be able to file a claim for reimbursement.

But before you start dreaming of a fat payout, there are some crucial steps to follow—miss one, and your claim could be denied.

Below, you’ll find everything you need to know about submitting a claim, what details to include, and how to improve your chances of actually getting paid.

How to Submit a Claim Against the City of Rockford

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To report an injury or property damage claim, call PMA Companies (the City's Claims Processor) at 800-476-2669 to receive a claim number. For supporting documents, fax 800-432-9762.

If you need assistance, contact Nora Doyle at 779-348-7394.

Processing & Investigation:

Dollar bills in the potholes on road
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Claims take 3–4 weeks to process, longer during peak seasons. PMA will investigate and may request additional information—respond promptly to avoid denial. Once reviewed, PMA will issue a written decision.

Important Details to Include:

  • Claimant name, contact details, and role (individual, business, insurer, medical provider)
  • Exact date, time, and location of the incident (include cross streets or address)
  • Detailed description of what happened
  • Two repair estimates or a paid receipt

Mail or fax claim forms to PMA. More details improve your chances of reimbursement.

MORE: Report Potholes in Rockford Area in Need of Repair

While it may not be the same for everyone, this process took me just a little over a month to go through, but I was fully reimbursed for the cost of two new tires and repairing one dented rim.

Here's the link to get started on filing your claim.

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