The Lateral Loan Process
Step 1: The property owner must contact at least one contractor for a quote to replace the private lateral. (Halifax Water always recommends that any property owner get multiple quotes to ensure they are paying a fair price.)
Step 2: Complete/gather the following documents and submit them to Halifax Water:
Halifax Water Engineering Approvals
450 Cowie Hill Road
P.O. Box 8388 RPO CSC
Step 3: Upon Halifax Water approval, the property owner will ask the contractor to proceed with the private lateral replacement. The contractor will then submit the construction permit to Halifax Water.
Step 4: The contractor completes the replacement of the private lateral. If the chosen contractor is on the list of pre-approved public lateral replacement contractors, the public side of the replacement will also be completed by that contractor on behalf of Halifax Water to reduce construction time near the property.
Step 5: The contractor then contacts Halifax Water to have an inspection completed on the new lateral(s). Any deficiencies must be corrected.
Step 6: Once the Halifax Water Inspector has approved the work, the contractor will address a final invoice to Halifax Water and send it to the property owner.
Step 7: The property owner must then submit a copy of this invoice to Halifax Water. The final amount of the invoice determines the final loan amount. (Barring any radical/unexplained cost increases from the submitted quote.)
(If applying for the Lead Line rebate, submit that application at this step, as well.)
Step 8: Payment is made by Halifax Water directly to the contractor for the amount shown on the final invoice. When the payment is made to the contractor, a lien is placed on the property for the amount paid to secure the loan.
Step 9: The property owner then begins making regular monthly payments on the loan until the loan is paid in full, at which point the lien on the property is removed. There are no penalties for paying off the loan off early.
Loan payments are separate from the Halifax Water Bill.
Note: Not all applicants will be approved.