When a widespread disaster strikes and creates an unreasonable financial burden, disaster financial assistance (DFA) may be made available for eligible costs. DFA is intended to provide financial assistance to restore property to a habitable and functional state.
Assistance is generally provided to help local governments, individuals, farm, businesses and non-profit organizations.
This information is intended to provide property owners with the basic information about the DFA program.
Private Residential Property: is an owner-occupied principal residence or a tenant-occupied residence. Tenants may apply for personal property and possessions only.
Farm: is an agricultural based business (exclusive of hobby farms) which meets the definition of a Small Business.
Small Business: is an enterprise with yearly gross revenues as reported for income tax purposes of at least $10,000 but not more than $2 million and employing not more than the equivalent of 20 full-time employees. It also must be other than a "hobby business" and must be an owner-operated enterprise where the individual owner-operator is acting as a day-to-day manager.
Non-Profit Organization: is an organization that operates "not-for-profit" and has a facility with unrestricted access by the community and provides essential services to the community.
Assistance is generally available for:
Assistance is not available for:
Before, during and after the disaster, keep track of all your activities and expenses directly relating to the event. To verify your claim, you will need to provide documentation describing what you have done and invoices for expenses you have incurred. Wherever possible, photographs or videos of the damaged property should be taken and made available to EMO.
You are advised to contact your insurance provider to determine which if any, of your costs may be eligible under your insurance policies.
Actions to reduce impacts should begin as soon as practical following a disaster. Cleaning, stripping and drying after a flood is recommended and often helps significantly reduce the time and costs of restoration. The Recover from Disaster page provides additional information and links about re-entry and cleaning up from a disaster.
Once a program is in place, you have 90 days to apply for assistance. See the Recent Disasters page for a list of approved DFA programs and application deadlines.
Applications for property damage to private residences must be completed by the owner. Applications for personal possessions damage in rental properties must be completed by the tenant.
Use one of the following methods to apply for assistance:
Upon receipt of your application, EMO will contact you to do a preliminary screening of your claim.
If the preliminary assessment of your claim indicates that you are eligible for DFA and may have eligible costs, an onsite inspection will be arranged. An onsite inspection does not imply you are eligible to receive DFA.
If the preliminary assessment of your claim indicates that you are not eligible for DFA or that you do not have any eligible costs, then the onsite inspection will not take place.
Examples of some of the supporting documents that may be required include:
Information obtained from the onsite inspection and any subsequent submissions to EMO will be evaluated in accordance with DFA policies and guidelines to determine the amount of assistance available to you.
Assistance payments will be mailed when all required documentation has been provided and verified by EMO. Partial payments based on work completed to date may be available to you. All invoices or other documents detailing disaster-related expenses must reach our office or be post-marked by the program closure date. See the Recent Disasters page for a list of program closure dates.
If you have not received all the assistance to which you feel entitled, an appeal process is available.
The maximum amount of DFA payable per claim is $200,000. DFA payments are limited to 80 per cent of the eligible costs and losses.
DFA payments may be reduced by assistance received from other sources.
DFA programs will be open for a period of one year. Applicants will be advised of the program closure date and must complete repairs and submit all the required documentation by the program closure date. See the Recent Disasters page for a list of program closure dates.
Download and Print this information :
Disaster Financial Assistance Fact Sheet - English Version (PDF, 52 KB)
Disaster Financial Assistance Fact Sheet - French Version (PDF, 56 KB)